Line of Credit Loans

• Available to meet business seasonal or temporary operating cash flow needs.
• A maximum loan amount is established and funds can be borrowed and repaid as necessary to meet cash flow needs within that limit.
• The business only uses the funds when needed so interest expense is reduced.
• Loan advances can be directly deposited into the business checking account.

Term Loans

• Available for purchases or refinance of business equipment, vehicles or other capital needs.
• Term can be set according to the useful life of the equipment being financed.
• Repayment schedules can be set according to business cash flow schedule.
• Borrowing for equipment or other capital purchased allows the business to preserve their own funds to pay normal cash operating expenses.

Commercial Real Estate Loans

• Available for purchases, construction, development, expansion, or refinancing of business real estate property.
• Terms arranged up to 20 years.
• Repayment schedules set according to business cash flow schedule.
• Real estate loans allow the business to start, develop or expand, or to obtain improved facilities and/or location.

Other Lending Services

• U.S.D.A. - Rural Development
  • Business & Industrial Loan Program
  • Community Facilities Guaranteed Loans
• U.S. Small Business Administration Loan Programs
• State Treasurer's Link Deposit Program for Small Business

            Home Banker customers may access current interest rates by phone 24 hours a day, 7 days a week.

At this time we primarily serve the Sandusky, Huron, Seneca, Ottawa and Erie County area.

For more information about our Commercial Loan options, please contact the office nearest you.