Commercial Loans and Lines of Credit

At Brown County State Bank, our commercial lenders' expertise combined with our innovative financial products, the latest technology and personalized service will help you meet your financial goals. Our commercial loans can be tailored to meet your specific needs, with the capacity to put together multi-million dollar financing packages, or simply to help you with occasional working cash.

Commercial Real Estate and Agriculture Loans

Our loans are both flexible and priced right, and we will explore all the funding opportunities available to you to help plan the best solution to get your project off the ground. We are the ideal loan source for purchase money or refinancing. Typically we finance up to 80% of the appraised value or purchase price, whichever is lower. Terms are generally 15 years with the ability to amortize to 20 years. And, not only do we offer conventional bank financing, we also have experience with SBA and other agencies as well as bond issues.

Equipment Loans

Are you expanding or do you need to update your equipment? Let us put together a loan package that will help grow your business. Loan term depends upon the life cycle of the asset being purchased. Down payments may vary but typically are 20% of the purchase price. Payment intervals can be set according to the cash flows of your business. BCSB offers a variety of financing options to best suit your business needs.

Lines of Credit

  • Operating - An Operating Line of Credit is designed to give your business the greatest flexibility when it comes to cash flow. It is set up for a period of one year, and requires monthly interest payments with principal repayment at the business’ discretion.
  • Borrowing Base - A Borrowing Base Line of Credit takes the Operating Line of Credit one step further. Principal advances are tied to an asset or assets of the business. This allows for a shortened cash cycle and greater control of cash flow.
  • Seasonal - A Seasonal Line of Credit can be customized to match the seasonal demands and changes of your business.

When looking for a commercial lending expert for your business finance team, look to BCSB. Our commercial lending group has the knowledge, experience and resources you need to help take your business to the next level. Call us today.