Bring your business strategy to life with quick decision-making from a local bank you can trust.

Details
  • Competitively low rates for a wide range of seasonal needs
  • Flexible financing, structured to be consistent with your operation's cash flow
  • Flexible collateral requirements
  • Revolving and non-revolving terms available
  • Attentive service from a qualified staff that puts you first
  • Local decision-making
Revolving vs. Non-Revolving Lines of Credit

Revolving line of credit

  • Can be reused without re-applying up to the amount issued
  • Fund cash flow timing difference between sales and collection of accounts receivable and inventory purchases

Non-revolving line of credit

  • Given a max limit (one-time disbursement)
  • The balance must be repaid in full by maturity date
  • Interest-only payments
  • Typically, an Agricultural Operating line for seed and fertilizer is paid back via the sale of crops at a later date
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