• 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.

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.

• 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.

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.

• Available for purchases, construction, expansion, or refinancing of farm real estate property.
• Terms arranged up to 30 years.
• Fixed rate options available.
• Repayment schedules set according to the needs of your operation.
• Farm real estate loans can be used to purchase or refinance farmland.

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.

• 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.

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.

• 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.

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.

• 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.

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.

• U.S.D.A. – Rural Development
  • Business & Industrial Loan Program
  • Community Facilities Guaranteed Loans
• U.S. Small Business Administration Loan Programs
• State Treasurer’s “Grow Ohio” Program for Small Business
• State Treasurer’s Ag Link Deposit Program
• Young and beginning farmer loans.
  • We can assist and be a part of working with USDA’s Farm Service Agency real estate purchase programs for young and beginning farmers.