Simple Financing. Local Lending Decisions. Trusted Support.
Running a business takes hard work, planning, and the right financial partner. Farmers Trust and Savings Bank offers commercial loans designed to support every stage of growth, from start-up business needs to long-term business loans for expansion.
As a family-owned community bank serving Earling, Harlan, Woodbine, and southwest Iowa, we combine competitive loan options with personal, local service. You’ll work directly with bankers who understand your business, your industry, and your community.
Business Loan Options from FTSB
Our commercial lending solutions are designed to strengthen cash flow management and fund equipment investments as your business grows.
Equipment Loans for Business Growth
Finance the tools that keep your business moving.
Equipment loans help you purchase or upgrade the assets your business relies on, including:
- Construction and industrial machinery
- Business vehicles and fleets
- Office technology and computer systems
- Restaurant, medical, or specialty equipment
Benefits of Our Equipment Loans
- Fixed or flexible repayment options
- Competitive local rates
- Preserve cash while investing in growth
Business Real Estate Loans
Own, expand, or refinance your commercial property.
Our business real estate loans support:
- Office buildings
- Retail and commercial space
- Warehouses and industrial facilities
Why Choose Our Commercial Real Estate Loans
- Local decision-making
- Competitive rates and flexible terms
- Financing for purchase, construction, or refinance
- Guidance from experienced Iowa lenders
Operating Lines of Credit for Cash Flow
Flexible funding when your business needs it most.
An operating line of credit gives your business access to funds for:
- Seasonal expenses
- Inventory purchases
- Payroll and operating costs
- Unexpected repairs or opportunities
How Business Lines of Credit Work
- Draw funds as needed, up to your limit
- Pay interest only on what you use
- Revolving credit—reuse funds as you repay
- Easy access through checks or online banking
This option works well for businesses that require ongoing flexibility with annual financial reviews.
SBA Loans for Small Businesses
Government-backed loans with flexible terms.
We help businesses navigate SBA loan programs, including:
- SBA 7(a) Loans – for real estate, equipment, working capital, or refinancing
- SBA 504 Loans – for major fixed assets like buildings or large equipment
SBA Loan Advantages
- Longer repayment terms
- Lower down payment requirements
- Competitive interest rates
- Support from experienced local lenders
We guide you through the process, so you can focus on running your business.
How Business Loans Help Your Company Succeed
Business loans can help you:
- Manage cash flow
- Upgrade equipment
- Expand your facility
- Invest in new opportunities
- Handle seasonal changes
Whether you’re just getting started or planning your next phase of growth, the right financing can make all the difference.
What Sets Farmers Trust and Savings Bank Apart?
Local Banking You Can Trust
- Family-owned since 1892
- Three convenient locations: Earling, Harlan, and Woodbine
- Decisions made locally, not by a distant corporate office
Personal, Relationship-Based Lending
- One-on-one guidance from experienced lenders
- Loan solutions tailored to your business
- Friendly, responsive service from start to finish
Competitive Rates and Flexible Terms
- Financing built around your cash flow
- Clear terms and straightforward communication
- Long-term support as your business grows
When local businesses succeed, our communities thrive, and that’s something we take pride in.
Getting Started Is Simple
To apply for a business loan, our lenders may request:
- Basic business financials
- Tax returns or revenue history
- Information about your project or purchase
- Personal and business credit details
We’ll walk you through every step and answer your questions along the way.
Frequently Asked Questions About Business Loans
What types of businesses qualify for a commercial loan?
We work with many types of businesses, including small businesses, service companies, retailers, and contractors. Each loan is reviewed based on the business’s needs and financial health.
Do I need perfect credit to get a business loan?
No. While good credit helps, we look at the full picture—cash flow, experience, and long-term plans. Local decision-making allows us to be flexible when possible.
Let’s Build Your Business Together
From equipment purchases to expansion plans, Farmers Trust and Savings Bank is here to support your success with local expertise and dependable service.
