Call us! (309) 343-7141

Commercial Loans

As a community-based bank, we are committed to helping the businesses in our community grow and prosper. Whether you need business financing for daily operations or to fund growth and expansion, we have loans and programs that can help.


Operating cash available when you need it.

  • Pre-approved, revolving loans
  • Cover pre-paid expenses and working capital needs
  • Variable interest rates


Loans to help your business grow.

  • Fixed or variable rates
  • Payment schedules that meet your business cash flow
  • Purchase capital assets or refinance existing loans


Automatic protection against overdrafts.

  • Pre-approved, revolving line of credit tied to your business checking account
  • Provides credit up to a pre-set limit
  • Automatic funds transfer covers checking account overdrafts
  • Monthly payment deducted automatically from checking account
  • Cover short-term needs


Government guarantees increase bank lending power to small businesses.

SBA 7(a) Loans
  • Fully amortized financing
  • Longer terms available than conventional loans
  • Full collateral not necessarily required
SBA 504 Loans
  • Acquire land, building, real estate with as little as 10% down
  • Fixed, below-market interest rate on SBA portion
  • Longer terms available than conventional loans
SBA Export Working Capital Program
  • Financing for suppliers, inventory or production of export goods
  • Export working capital during long payment cycles
  • Financing for stand-by letters of credit used as bid or performance bonds or down payment guarantees
  • Reserves domestic working capital for the company's sales within the U.S.
  • Permits increased global competitiveness by allowing the exporter to extend more liberal sales terms
  • Increases sales prospects in under-developed markets which have high capital costs for importers
  • Contributes to the growth of export sales
  • Low fees and quick processing times

For friendly, prompt, personal service, call and ask for one of the following individuals:

David M. Walter

Vice President NMLS# 820654

309.343.0002 ext. 20654

Trent D. Cox 

Business Banking Officer NMLS# 571424 

309.343.0002 ext. 20637

Annette P. Pickrel, CTP

Cash Management Officer

309.343.0002 ext. 20623

Joseph M. Riley 

Business Banker NMLS# 742275

309.343.0002 ext. 20509 

Janice K. Kepple

Peoria Market President NMLS# 741371


Erick Mueller

Peoria Market Vice President NMLS# 741372


Tony Beiermann

Peoria Market Vice President NMLS# 914235