Loans

Why Benton County State Bank for your lending needs?

• Experience – to understand your needs and how to meet them
• Flexibility – to structure your loans to fit your budget
• Local decision making – decisions made locally and quickly

• Agricultural Loans
• Business Loans
• Real Estate Loans
• Consumer Loans

Agricultural Loans

• Operating Loans
Benton County State Bank has operating loans to fit every operation, from crop to livestock enterprises. Terms and schedules specific to your needs are available. These loans are secured by crops, livestock, machinery, real estate, or other liquid assets.

• Machinery Loans
New or used machinery loan with flexible terms. These loans can be secured by the equipment purchased or other acceptable collateral.

• Livestock Loans
If you work with livestock, we have the financing you need. Feeder loans are available for livestock and feed until they are ready for market. Breeding stock loans are available to build or replace the herd. Payment schedules ranging from monthly to annually are used in an effort to match sales. Lines of credit often are used for feeder livestock.

• Real Estate Loans
If you would like to refinance, buy additional acres, or add a livestock facility or grain structure, we have longer-term loans to assist. Call us for details.

• FSA Guaranteed Loans
For those with cash-flow constraints or minimum equity, we can use FSA loan programs to provide operating or farm ownership funds.

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Business Loans

• Operating Loans
If your business needs funds for operating expenses or inventory, we offer competitive loans structured for seasonal or term needs. Loans are secured by business assets and based on the financial stability, performance, and reputation of the business.

• Machinery and Equipment Loans
New and growing businesses require machinery and equipment. Term loans are available on a fixed or variable rate basis. The machinery and equipment generally secure these loans. Terms and schedules specific to your needs are available.

• Real Estate Loans
Real estate loans for purchases, expansions and refinancing are available. Construction loans are set up on a short-term line of credit basis and can be tied to the permanent financing, if desired.

• Small Business Administration Loans
The SBA offers numerous financing programs to businesses of all kinds. Benton County State Bank has participated with the SBA in the LowDoc, 7(a), and 504 programs. These loans offer favorable terms and are great in assisting new and existing businesses.

• USDA Business and Industry Loans
For larger projects that will directly benefit our rural community, or assist in keeping local businesses in the area, Benton County State Bank has experience in putting together these loan packages.

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Real Estate Loans

Our experienced lending staff can assist you in choosing the loan that is best suited for you. We offer a variety of options, including:

• Fixed Rate Mortgages
With a variety of terms and interest rates to suit your needs.

• Construction Loans
Offering lines of credit during the building phase, with permanent financing available upon completion.

• Home Equity Loans
These loans are available to borrowers who have equity in their home and want to use that equity to borrow funds for home improvements, vacations, college tuition, auto purchases, etc.

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Consumer Loans

We also offer a variety of consumer loans to help your household achieve its financial goals, including:

• Auto Loans
• Overdraft Lines of Credit
• Personal Loans
• Student Loans

 

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