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Loan Options

We provide flexible business loans with personalized support to help you grow, expand, or manage your operations with confidence. From agriculture, real estate, equipment, construction, or lines of credit, we’re here to help!

Why Lend with First National Bank?

Local Expertise

Our lenders live and work in your community. We understand the local economy, industries, and know the people—the result being quick, local decision making.

Personalized Service

Every business is different—so we take the time to understand yours. From your first conversation to your final payment, you are our priority.

Community Commitment

We’re more than a bank—we’re your neighbors. Every loan we make is an investment in the people, families, and future of the communities we serve.

Yellow excavator digging and moving a large pile of dirt at a construction site under a clear blue sky.

We offer flexible loan programs designed to help you purchase, refinance, or improve commercial property — and even refinance existing debt to boost cash flow. With terms tailored to your business, options for investment properties, and local experts who understand our community, First National Bank is here to help your business thrive.

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Benefits

Repayment terms structured to match your business cash flow
Investment properties (non-owner occupied) qualify
Locally owned bank that understands our area

Contact your local branch or call one of our commercial loan officers to schedule an onsite meeting to discuss your business needs and future plans.

A Business Line of Credit provides flexible financing for a variety of needs — from managing inventory to covering short-term working capital. Once approved, you can access funds whenever needed and pay interest only on the amount you use.

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Benefits

Revolving lines of credit offer flexible funding that can be borrowed, repaid, and then re-borrowed up to the maximum credit limit
Access to funds when you need them for business operations
Interest accrues on funds borrowed and can be paid monthly, quarterly, or semi-annually

Contact your local branch or call one of our commercial loan officers to schedule an onsite meeting to discuss your business needs and future plans.

Running an agriculture business comes with enough challenges — from shifting markets to unpredictable weather. At First National Bank, we understand the realities of modern farming because agriculture is part of who we are. Our team combines local roots with real farm experience to provide financing that works as hard as you do.

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Real Estate Loans

First National Bank has the loan programs to help you grow and expand your farm as well as refinancing your existing agricultural debt to maximize your cash flow. These products range from purchase, refinance, or improvement of your agricultural property.

Repayment terms structured to match your business cash flow
Equity in current farm real estate can be used to finance additional purchases
Locally owned bank that understands our area

Lines of Credit

Agricultural lines have many uses ranging from inventory and crop inputs to short-term working capital needs until harvest. Once approved, customers have access to funds when they need it to manage their cash flow and enjoy the benefit of only having to pay interest on the actual funds borrowed.

Funds can be borrowed, repaid, and then re-borrowed up to the credit limit on revolving lines.
Access to funds when you need them for farm operation
Interest accrues on funds borrowed and can be paid monthly, quarterly, or semi-annually

Equipment Loans

Every farm has equipment needs. This equipment is the very engine of agri-business and without it the operation does not go forward. First National Bank understands this need and will structure a loan to move your agri-business forward.

Loan programs and terms tailored to meet your farm needs
Competitive interest rates
Loan repayment structured to match new equipment output

Contact your local branch or call one of our commercial loan officers to schedule an onsite meeting to discuss your business needs and future plans.

Building something new takes vision — and the right financial partner. First National Bank offers flexible construction financing for commercial buildings, multi-family projects, and renovations. With local expertise and years of experience, we’re here to help you bring your project from blueprint to reality.

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Benefits

Competitive interest rates
Interest-only payments during construction period
Construction to permanent financing requires only one closing
Experienced and knowledgeable lending staff

Contact your local branch or call one of our commercial loan officers to schedule an onsite meeting to discuss your business needs and future plans.

Every business relies on the right equipment to keep things running. At First National Bank, we understand how essential those tools are to your success. Our equipment financing solutions are designed to help you purchase or upgrade what you need — so your business can keep moving forward.

Locations

Benefits

Loan programs and terms tailored to meet your business needs
Competitive interest rates
Loan repayment structured to match new equipment output

Contact your local branch or call one of our commercial loan officers to schedule an onsite meeting to discuss your business needs and future plans.

Get in touch

Interested in a loan or want to speak with a branch manager? We’re here to help. Connect with someone who knows your community—and understands your goals. Let’s talk about what’s next for your business.

Our Locations

Jeff Wolters