We have all the loan options
your small business needs.
We are a community bank with the experience to actively participate with and offer a full suite of Small Business Administration loan programs. With dedicated SBA experts based locally here in Clayton and in Colorado Springs, Colorado, Farmers & Stockmens Bank provides the SBA financing package that’s best for your business.
As an SBA-preferred lender, we offer loans with lower down payments and longer repayment terms than many other financing options. SBA loans are smart, affordable, solutions for small businesses looking for flexible financing.
Farmers & Stockmens offers two types of SBA loans:
The most versatile of the SBA financing options. Proceeds from the loan can be used for commercial real estate, property improvements, business acquisition, equipment, inventory, debt refinance, working capital and much more. These loans can be permanent or revolving and range from one to 40 years.
Long-term loans for land, buildings, and other substantial fixed assets.
At Farmers & Stockmens Bank, we dedicate and commit our time to making sure you are getting the best loan to fit your business plan.
Business and Agricultural Lines of Credit
A business line of credit is a revolving line of credit that can be attached to your checking account, preventing overdraft and providing you cash when you need it.
Monthly payments can be automatically deducted from your account to pay your balance.
Commercial and Agricultural Term Loans
We offer a full range of commercial loans to help you achieve your business goals. A Farmers & Stockmens Bank loan might be just the thing to get you up and running.
Some examples include:
- Start-up financing
- Inventory financing
- Fixed asset financing
- Expansion financing
- Seasonal line/working capital line
- Machinery and equipment
Commercial and Agricultural Real Estate Loans
Commercial Real Estate loans help you acquire offices, warehouses, rental properties, and more. Let us know how we can tailor our financing solutions to meet your needs.
Farm Service Agency Guaranteed Agricultural Loans
Farmers & Stockmens Bank is proud to offer Farm Service Agency Guaranteed Agricultural Loans. With this program, there are five-year operating lines of credit and installment loans. Equipment and livestock can be financed for up to seven years; real estate up to 25 years.