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Dairy State Bank | Business Loans


Business Loans
More:  Calculators | What to Bring When Applying | Annual Credit Report | Apply for a Credit Card | Electronic Banking Services | Back to Business Accounts


Business Loans

Since 1952 we’ve been helping local businesses, large and small, grow and succeed.   Our Business Lenders have the knowledge and professional experience to help you find the right loan to achieve your business goals. Our business loans are competitively priced and we offer fully customizable lending solutions. We will work with you to meet the specific needs of your business.

Running a business is difficult, and having a lender who understands your business can make all the difference – we take the time to do just that.  Our lenders are local, we live and work here, and we make decisions locally and quickly. Stop in and see us at one of our offices, or we’ll be happy to meet you at your place of business.


Types of Business Loans:

    • Commercial Real Estate
      Purchase property, renovate your current facilities, or finance commercial construction projects.
    • Equipment and Personal Property Loans
      Finance office equipment, manufacturing equipment, agricultural assets, or vehicles.
    • Lines of Credit
      A flexible credit tool often used to meet your business's short-term credit and operating needs.
    • Small Business Administration Loans
      Three loan programs are available through the Small Business Administration. They are low-documentation loans; 7(A) loans used for inventory, equipment, and real estate; and 504 Capital Asset Loans used for land, machinery, and buildings.
    • Letters of Credit
      We offer letters of credit which are commonly required by suppliers, vendors, and government agencies to guarantee performance of payment.


What to bring when applying for a Business Loan:
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Small Business, Commercial Real Estate And Commercial Loans:

  • Personal tax returns for the past two years and financial statements
  • Business tax returns for the past two years
  • Business financial statement for the past two years including income statements and balance sheets

Your business plan which should include:

  • Business history
  • Description of your business organization
  • Use of loan funds

Credit Cards
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The family of VISA business credit cards offers the flexibility for your employees to make purchases for the business while providing the ability to track spending. The credit cards also include both the business name and the employee name for added peace of mind.  Click here to apply.

Visa Business Card
The Visa Business Card provides company spending reports, free employee cards with spending control options, and generous credit lines in your company’s name without a minimum time in business or annual revenue requirement. Click here for additional terms and conditions.

Visa Business Bonus Rewards Card
The Visa Business Bonus Rewards Card offers rewards earnings of 1 point for every net $1 of spend, plus a 25% bonus on all points earned every month with no annual fee. Reward choices include unlimited 1% cash back, travel redemptions, merchandise and gift cards from popular merchanges. Click here for additional terms and conditions.

Visa Business Bonus Rewards Plus Card
The Visa Business Bonus Rewards Plus Card offers rewards earnings of 1 point for every net $1 of spend, plus a 50% bonus on all points earned every month. Reward choices include unlimited 1% cash back, travel redemptions, merchandise and gift cards from popular merchants..Click here for additional terms and conditions.


Compare Credit Cards

 

VISA Business Card

VISA Business Bonus
Rewards Card

VISA Business Bonus
Rewards Plus Card

Annual Fee

No

No

Yes

Rewards Program

No

Yes

Yes

24 Hour Card Member Service

Yes

Yes

Yes

Employee Cards

Yes

Yes

Yes

VISA Zero Liability*

Yes

Yes

Yes

*Certain conditions and exclusions apply. All Credit Cards are subject to Terms and Conditions and Credit Card application approval. Other restrictions and fees may apply.