Business Finance Loan Program

Loan Programs Update

Thank you for your interest in our loan programs! We’re experiencing a historic level of demand from entrepreneurs pursuing their dreams—whether launching a startup, expanding a business, or planning for succession. More than 20 percent of our total lending volume from the past 39 years is currently active in our portfolio. That’s a remarkable milestone, and we’re honored to be part of so many journeys.

Not accepting new loan applications at this time

Due to this unprecedented volume, temporarily pausing all new loan inquiries and additions to our waiting list until further notice. Our focus will be on supporting current borrowers and finalizing applications already in progress. We understand this may be disappointing, and we sincerely apologize for any inconvenience this may cause.

Resources for entrepreneurs

While we’re unable to take on new loan applications at this time, there are other organizations that may be able to assist you:

We appreciate your understanding and look forward to re-engaging with new applicants in 2026. In the meantime, we celebrate the incredible momentum of entrepreneurs across our region!

Business Finance Loans

Is your business idea ready to launch, or maybe your established company needs a boost? We’re ready to invest in your success! We support emerging startups and established companies that contribute to economic growth in our 18-county region.

A group of people, including adults and children, stand smiling in front of a red Sweetman Sanitation garbage truck. One person sits on top of the truck. The scene is outdoors on a gravel surface. — Maynor Lopez, Owner of Tortilleria El Maná in Worthington

Ready to see if you qualify? Our Business Finance Loan Program clients are businesses with a strong and stable cash flow, committed to staying in our region and have complimentary financing from the public or private sector. Dollars can be used for machinery and equipment, inventory, working capital and real estate.

Business Finance Loan Terms

Maximum loan amount is $150,000.
Loan amounts up to $300,000 are available for qualifying projects in the following asset sectors: renewable energy, food and agriculture, bioscience and manufacturing.
Interest rate is determined using a risk-opportunity analysis, loan terms and current market rates.
Amortization of the loan is based on the life of the assets. Loan maturity will generally be 5 years but may have extended amortizations if the assets financed warrant.
Borrower must have adequate collateral and may be subordinate only to the interest of the bank as the primary lender.
Borrowers will be charged a one percent loan origination fee plus all out-of-pocket costs associated with the loan.