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Loans & Lines of Credit

Financing That Works as Hard as You Do

Get the support you need from lenders who know your business and your community.

Local Business Loans From A Local Business

Running a business can be a challenge and having a lender who understands your business can make all the difference. Our commercial lenders work with you to find the right financing plan to help you achieve your goals. Our rates are competitive, and we offer fully customizable financing plans. Because we are a locally-owned, community bank we can make decisions quickly so you can get back to work. Stop in at one of our offices or give us a call and we can meet you at your business.

Commercial Real Estate

Whether you’re purchasing property or renovating a current facility, our commercial real estate plans can finance just about any commercial construction project.

Commercial investment property, such as industrial and office buildings
Multi-family investment property (apartments, residential)
Residential investment properties (duplex, twin homes)
Owner occupied commercial and industrial properties

Agricultural

Ag producers are essential for our food supply and economy. Dairy State Bank is here to help with financing to help you keep on working:

Purchase land, buildings or construction
Purchase livestock
Purchase equipment
Finance crop/annual inputs

Equipment and Personal Property Loans

When you plan to produce a new product, update your production line or just have a breakdown, we can finance equipment for any type of business, including manufacturing, office or farming equipment, as well as seed and livestock. Specialized financing is also available.

Equipment Leasing

Our Equipment Leasing Program is different from traditional leasing companies in that we never charge termination or prepayment penalties. Other features include:

100% financing available – no down payment required
New or used equipment
Variable payment for seasonal customers
Fixed rate which will not change during the term of the lease
Most leases can be structured to meet tax objectives

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Lines of Credit

A Business Line of Credit, sometimes called LOC, provides financing for working capital to fund various operating needs. This product allows flexibility to finance account receivables and inventory, finance crop inputs and/or unexpected expenses, and avoid overdrafts.

Non-Profit, Municipal & School Loans

Non-profit organizations and local government are collectively the heartbeat of our small communities. Dairy State Bank has extensive experience working with these organizations and can efficiently provide:

Lines of credit for working capital
Business term loans for construction, repairs, renovations or equipment needs

Small Business Administration Loans (SBA)

Three loan programs are available through the Small Business Administration. They are low-documentation loans; 7(A) loans used for inventory, equipment, and real estate; and 504 Capital Asset Loans used for land, machinery, and buildings.