Business Loans

Farmers State Bank does a variety of commercial lending and has been one of the top five Small Business Administration lenders in the state in the past. Our Commercial Loan Officers will work with you to determine the best financing for your business needs.

  • Construction Loans
  • Business Loans
  • Small Business Administration Loans
  • Lines of Credit
  • Agricultural Loans

A Construction Loan is built to save you time and money and offer a convenient way to finance a variety of building projects. Competitive interest rates and unlimited number of draws up to your loan amount make this the best solution for commercial construction loans, residential construction loans and agricultural construction loans. Farmers State Bank requires an appraisal for this type of loan, giving you peace of mind about the value of your project when you’re finished. Experienced loan officers have a streamlined process to provide a fast turnaround on construction loan decisions and this method provides you with capital, giving you the conveniences to facilitate other construction projects.

A Small Business Loan can be used to build your dream business or satisfy short/long term needs of your existing business including capital, improvements, inventory, or real estate. Farmers State Bank wants to help you along with the Small Business Administration. The loan is done with FSB and 80% of the loan is backed by the SBA after compiling paperwork, and discussing your future needs. Farmers State Bank was one of the top 10 SBA lenders in 2011 providing nearly $9 million in assistance to businesses. We look forward to watching your business grow as that’s what Building Your Success is all about.

Use Business Loans to start up your own business or receive additional money to make your business a success. Farmers State Bank business loans boast a fixed rate, fixed term and a fixed payment schedule, the most convenient way to budget and give you peace of mind about the life of your loan. Save money by writing off interest payments (consult your tax specialist for details) and feel secure knowing you can call the bank any time and ask questions about your borrowing – these loans are serviced in-house. Financing your business can be a serious strain on your time and confidence so let a Farmers State Bank loan officer lift this burden from your shoulders, allowing you to focus on building your business into a successful company.

Lines of Credit are available to FSB business and agricultural customers and can be used primarily to meet business or agricultural operating expenses. An Operating LOC is a revolving credit line that allows unlimited draws up to the credit limit and helps you save money by only paying interest on the funds you have borrowed. This method helps you pay bills during a time of limited income or periods with cash-flow challenges and focus on building your business rather than worrying about operating expenses.

FSB offers a variety Agricultural Loans, including operating loans for putting in crops, loans to finance equipment and real estate loans for purchasing farmland or constructing buildings. Use these financing solutions to buy farm supplies, raise livestock for profit and of course, manage your crop operations. Work with a single loan officer for all your borrowing needs and build a relationship with a lending professional who wants your farming business to succeed. The lender can provide information to you, as a business owner that can help accelerate your success. We also offer a Farm Service Agency guarantee for qualified loans. Trust us as your Cedar Falls agriculture loans provider –and call FSB or stop in today for more information on this type of loan in any of our bank locations.

For more details please visit a Farmers State Bank location, call FSB at 1-877-FSB-1879, or email FSB at

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