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Business Loans & Credit

Apply for a Small Business Loan Today

Guaranteed to Help Grow Your Business

Lock down the financing you need with a government-guaranteed business loan with streamlined local service and decision-making. All you need to do is decide which one’s best for your budding enterprise.

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SBA 7(a) Loans

Expand, acquire, or start a business.

Loans Up to $5 Million

For commercial real estate, equipment, working capital, and business acquisition or expansion.

Minimal Down Payment

Up to 90% financing for commercial real estate – and up to 100% financing on equipment.

Fully Amortized Up to 25 Years

Simplify your budget with consistent monthly payments.


SBA 504 Loans

Purchase or expand an existing building – or begin ground-up construction.

Loans Up to $5 Million

For commercial construction and real estate acquisition.

Minimal Down Payment

Up to 90% project financing on multi-use properties. That means as little as 10% cash down.

Fully Amortized Up to 25 Years

Simplify your budget with consistent monthly payments.


SBA Express Loans & Lines of Credit

Need quick cash? This is the SBA loan for you.

Loans Up to $350 Thousand

For purchasing real estate, refinancing debt, accessing working capital, and more.

Streamlined Processing

Get approved in as little as 24 hours.


USDA B&I Loans

Designed to improve, develop, and finance business and industry in rural communities.

Loans Up to $10 Million

And up to $40 million if your rural cooperative organization processes agricultural commodities.

Fully Amortized Up to 30 Years

Simplify your budget with consistent monthly payments.

Flexible Financing

Fixed and variable rates available. (Geographic restrictions may apply)


Valley Small Business Guaranteed Loans

Providing your small business or family farm with increased access to capital.

Loans Up to $1 Million

State guarantee of up to $1 million with terms up to 7 years for qualifying loans.

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We Want To Know You Beyond Your Financial Statements.