CommercialSolutions- Loans
We believe in relationship banking and our goal is to provide individualized service in a very responsive manner. We look at each customer individually and develop banking solutions specific to that customer's needs. We think outside the box and we are willing to take a chance on good people. Our lending staff is very experienced and stable. A banking relationship is a valuable relationship and we do not believe in making unnecessary changes. We make our own decisions, right here. We are all about providing solutions, not excuses.
Commercial
We are entrepreneurs ourselves and we focus on the medium-sized businesses within 60 miles of our markets. We understand business and we know that your needs won't be found in a bank policy. Therefore, we want to customize a program that provides you a solution. A few of the products that we have available are as follows including:
- Loans for Acquisitions and Expansion
- Operating Lines of Credit
- Equipment Loans
- Term Loans
- Letters of Credit
Commercial Real Estate
We understand real estate. Every project in every city is different. The value of real estate is not always obvious and we know that a developer will create value. We understand leverage and return and we understand that time is of the essence. We offer a wide variety of real estate loans including construction loans, bridge financing, rehabs, re-finances, and mini-permanent loans up to 10 years. We will consider floating and fixed financing and we will structure the deal to fit your needs. We consider loans outside of our markets and we will look at most product types including the following:
- Retail
- Industrial
- Office
- Multi-family
- Condominiums
- Tax Credit Financing
- Commercial Land Acquisition and Development
- Hotels
- Golf Courses and Resort Properties
- Mini-Storage
Residential Construction and Development
The residential real estate market has been the driving force behind our economy for many years. Home ownership is still the American dream and with our full service mortgage department, it only makes sense for us to offer residential development and construction solutions. This includes guidance lines to experienced builders and developers. These loans typically have floating rates and self liquidate through the sale of the property. We offer both spec and build jobs, including models.
Agricultural Lending
Our farmers still feed the world and we are interested in helping finance Kansas farmers and ranchers. We know agriculture and many of our officers have or still operate farms and ranches. We know the ups and downs, the seasons and cycles, we know that each operation is different. We can customize a program to fit your needs and here are some of the solutions that we offer:
- Livestock Financing
- Operating Lines of Credit
- Machinery and Equipment Financing
- Real Estate Loans
