Ag and Commercial Lending

Ag Lending

We know farming and have a wide range of services to fit your borrowing needs. We welcome the opportunity to be of service to you.

Ag loan products include:

  • Real Estate Loans
  • Operating Lines of Credit
  • Farm land
  • Crop expense, inputs, repairs & maintenance, working capital

In any borrower/lender relationship, it is essential for the borrower to provide an understanding of the business with the following information:

  • Current balance sheet with supporting schedules and inventories
  • Income statement
  • Projected cash flow
  • Production Plans – a good set of records showing production plans and short & long range goals
  • Personal info
  • Off-Farm income information

For this information to be the most helpful, at least two years of data is needed.

Contact Paul Miller at 217-472-3211.

Commercial Loans

Every business is unique with its own specific needs. We offer a variety of commercial lending services to meet those specific needs. Give us a call at 217-245-4111 to see how we might be able to assist your business or stop by any of our locations.

Type of Business Account Features and Benefits
Small Business Loans (SBA) New and existing businesses that need assistance with acquisition of new equipment, working capital, or long-term financing needs. Flexible terms, Competitive fixed and variable rates, 7(a) and 504 programs available
Commercial Loans Businesses wishing to expand, replace older assets, or refinance existing loans. Businesses in need of credit to cover short-term or long-term needs of business. Flexible terms, Competitive fixed and variable rates, Term Loans and Working Capital Lines of Credit
Real Estate Loan  Businesses looking to expand to a new facility or remodel an existing one. Flexible terms, Competitive fixed and variable rates, Commercial Real Estate and Commercial Construction

Contact any of the following lenders to discuss your lending needs.

Jacksonville - 217-245-4111
Shaan Smith
Shawn McCombs
Chris Royal
Lisa Stambaugh
Susan Wood

Chapin - 217-472-3211
Paul Miller

Virden - 217-965-4968
Bruce Brauer

Litchfield - 217-324-2576
Ron Norris