Business Loans
Whether you’re buying new equipment, expanding your footprint, or just getting started, you deserve someone to take the time to understand your operation — and build lending solutions that fit the way you work.
.png)
It's in our name.
At CSB, commercial lending isn’t just a service — it’s part of who we are.
For over 145 years, we’ve built lasting relationships with local businesses by showing up, staying flexible, and helping owners navigate whatever comes their way — from opportunities to obstacles. Whether you’re growing or working through a challenge, we’re here to walk alongside you — not just to fund the next step, but to understand it.
what you can expect
Business lending should feel like a partnership — not a process you have to figure out on your own. Here’s what it’s like to work with CSB:
We Come to You
Our lenders won't wait behind a desk. We’ll meet you at your business — whether that’s in the office, on the job site, or out in the field — so we can understand your operation firsthand.
We Listen First
You won’t get a one-size-fits-all approach from us. We ask questions, learn how your business works, and talk through your goals so we can recommend what truly fits.
We Stick With You
From application to payoff, we stay connected. Need to adjust your loan? Talk through a big decision? We’re here — with answers, support, and long-term perspective.
why csb?
We’re built to support every side of your business — not just your next loan. At CSB, you don’t just get financing — you get a team. From lending to cash flow to everyday banking, we’re here to help your business run smoother at every step.
.png)
Lending That Works for You
We take time to understand your business, your goals, and your timeline — then recommend a loan that fits. No guesswork. No pressure.
.png)
Cash Management That Saves You Time
From collecting payments to protecting against fraud, our tools help you manage cash flow with confidence — and our team is just a call away when you need support.
.png)
Deposits That Work as Hard as You Do
From daily transactions to long-term planning, our business accounts give you control, clarity, and a team that’s here when you need answers.
commercial Loans We Offer
From everyday needs to long-term growth, our lending solutions are designed to meet your business where it is — and where it’s going.
Lines of Credit
Flexible financing for short-term needs — perfect for working capital, seasonal swings, or planned equipment purchases.
- Short-term working capital
- Attractive rates
- Seasonal repayment options
- Equipment lines of credit (for projected capital expenditures for the year)
Term Loans
Structured financing for key investments — whether you're buying, refinancing, or expanding your business.
- Business purchase
- Machinery and Equipment purchase
- Refinance
- Permanent working capital
- Flexible terms based on collateral
- Fixed or variable rate options
Real Estate Loans
Finance commercial properties with competitive terms — whether you're buying, refinancing, or investing.
- Owner occupied real estate
- Investment opportunities
- Purchase or refinance
- Flexible rates and terms
Small Business Express loans
A streamlined option for local businesses with smaller financing needs — fast, flexible, and backed by real people.
- Ideal for smaller loan amounts
- Simplified documentation
- Quick decisioning
- Designed for local entrepreneurs and small business owners
Agriculture and Farm Loans
Built for ag operations — with options that match seasonal cash flow and long-term growth.
- Operating lines of credit
- Machinery and equipment financing
- Building / real estate financing
- Seasonal repayment options
SBA and Program Loans
Get access to government-backed funding designed to support small business growth and rural development.
- 7a and Express
- USDA Rural Business and Industry
- Working capital
- Equipment purchase
- Real estate purchase
- Business start-up
Let’s Get You Started
Start online or stop by a branch—it’s fast, easy, and backed by real people who care.