Commerical & Ag Lending

Commercial Lending

Starting a new business or expanding a present one? We have the right plan for you!

Being part of the community, we realize the importance of business to our community. We strive to make things work for your business and for ours.

  • Competitive rates
  • Variable or fixed terms available
  • Life, disability and critical illness insurance available
  • Personally tailored payments that can be weekly, biweekly, monthly, quarterly, semi-annually or annually
  • All activity recorded on your printed statement or through online banking services
  • Commercial Mortgage and Line of Credit also offered
  • Government Guaranteed loan programs available
  • Commercial mortgages can prepay up to 10% per year without penalty
  • Multi-purpose mortgages that have the ability to re-advance with ease with little to no cost
  • Building mortgages for commercial buildings of all types

Ag Lending

For operating loans, machinery purchases, expansions, line of credit, livestock purchases or land loans we can help you meet your financial goals.

  • Competitive rates
  • Operating and term loans available
  • Life, disability and critical illness insurance available
  • Personally tailored payments that can be weekly, biweekly, monthly, quarterly, semi-annually or annually
  • All activity recorded on your printed statement or through online banking services
  • Agricultural mortgages and line of credit also offered
  • Government guaranteed loan programs available
  • Agricultural mortgages can prepay up to 10% per year without penalty
  • Multi-purpose mortgages that have the ability to re-advance with ease with little to no cost

Leasing

Equipment leasing provides members with flexibility. Leases can be structured to the specific needs and cash flow cycle of any business. Leasing delivers value to your members as it minimizes the cash or line of credit required, maintaining their ability to respond to business challenges as they arise.

  • Cash flow advantage
  • Leasing provides higher percentage financing (up to 100%)
  • Lower payments due to end of term residual value
  • Off-balance sheet lending that does not interfere with established credit
  • Taxes are not paid in advance. They are paid on each rental payment during the term of the lease
  • Access to the latest equipment and technology which enhances productivity

Commercial/Ag Line of Credit

Custom tailored flexibility to help your business operate when your cash flow in does not always match cash flow out.

  • No separate account to manage. The line of credit operates like an overdraft on your chequing account
  • Saves money as you only pay interest on the amount you are using for the number of days the line of credit was used
  • No interest charges if the line of credit is not used
  • Competitive and affordable interest rates

Contact us for an appointment

Please call any of our branches to be put in contact with one of our lending specialists.