What
kind of loan are you looking for? We have helped thousands of
individuals, just like you , to finance everything from "the
essentials" to a "dream come true".
Agricultural Loans
Commercial Loans
Personal/Consumer Loans
Home Loans
Student Loans
Agriculture is important to our
economy in Western Wisconsin and we serve our farm customers
with a broad array of products and services designed to meet
your ever-changing needs. State Bank of Arcadia has qualified
lending officers who understand the complexities of farming.
In ag lending, experience counts and our lenders have that experience.
| Agricultural
Real Estate |
|
Our agricultural property loans can
be used to purchase real estate, refinance debt, or
improve your existing property.
- Easy-to-budget fixed payments.
- 10 to 25 year amortization.
- Secured by real estate.
|
| Operating
Lines |
|
Our operating lines allow you to borrow funds throughout
the term of the loan. Typically used for crop inputs,
repairs, feed, livestock and equipment purchases, and
any other ag operating expenses.
- Credit lines available in an amount to serve your
needs.
- Able to repay and re-borrow at your convenience
on revolving credit loans.
- Flexible repayment terms designed to meet your cash
flow’s ability.
|
| Livestock/Machinery
Financing |
|
Purchasing new or used machinery or ready to expand
your herd? State Bank of Arcadia has financing available
for all or your livestock and machinery needs.
- Easy-to-budget fixed payments.
- Credit lines available in an amount to serve your
needs and repayment ability.
- Flexible repayment terms designed to meet your
cash flow's ability.
- 3 to 7 year amortization.
- Secured by livestock and machinery.
|
| FSA Guaranteed |
| We have earned PLP
(Preferred Lender Program) lender status with FSA.
This is the top status
that a lender can hold in the FSA (Farm Service Agencies’)
Guaranteed Loan Program.
The benefits of our bank having this status is that
we have broad authority in making and servicing FSA
Guaranteed Loans to help our customers obtain the financing
they need, especially when more lenient loan terms are
needed.
The types of FSA Guaranteed
loans that are available are:
- Operating Lines of Credit (OL/LOC)
- Equipment and Livestock Term Loans (OL)
- Real Estate and Improvement Loans (FO)
|
| WHEDA
Guaranteed Loan Programs |
|
We utilize all of the Agricultural Financing Programs
that WHEDA provides including:
- CROP - Guaranteed
loans for annual crop inputs.
- FARM - Provides
guaranteed loans for agricultural expansion and modernization.
- Agri Business Guaranty
- Provides guaranteed loan to assist producers in
development new products using Wisconsin produced
raw commodities.
|
| Contact
/ More Information |
|
For more information about Agricultural Loans, please
contact:
|
At State Bank of Arcadia
we believe the success of our customers leads to a strong
community, which benefits all of us. Our customer deposits
are invested directly into loans in our community which helps
our local economy. One of the key reasons for you to consider
banking with us, is that local people who understand you and
your business make all of the decisions concerning your needs.
Consult with our experienced lenders to find financing options
as well as a variety of commerical services to fit your business
needs. Our lenders will quickly respond to your application,
set up flexible repayment schedules that work with your cash
flow, and offer you easy access to your credit.
| Commercial
Properties |
|
Our agricultural property loans can
be used to purchase real estate, refinance debt, or
improve your existing property.
- Easy-to-budget fixed payments.
- 10 to 25 year amortization.
- Secured by real estate.
|
| Commercial
Equipment & Vehicle Loans |
|
Let State Bank of Arcadia assist you with all of your
business equipment financing needs. Whether your business
requires specialized equipment, office equipment, or
fixtures, let State Bank of Arcadia customize a loan
tailored for your business.
- Loan repayment terms tailored to match the useful
life of the asset.
- Flexible terms are available.
- Competitive rates.
|
| Working
Capital |
|
State Bank of Arcadia offers revolving lines of credit
to help with your seasonal cash flow needs. This gives
you the opportunity to control your business finances
your way.
- Loan maturities up to one-year term.
- Revolving line is accessible anytime during the
year.
- Competitive rates.
- Letters of credit are also available.
|
| SBA
& WHEDA Loans |
State Bank of
Arcadia utilizes the U.S. Small Business Administration
(SBA) and WHEDA (Wisconsin Housing and Economic Development
Authority) guaranteed loan programs to help our small
business customers obtain the financing they need.
SBA loan programs
that the State Bank of Arcadia participates in are
the SBA 504 Program, Basic 7(a), and Low-Doc loans.
504 loans provide long term, fixed rate financing
for major fixed assets such as land and buildings.
The 7(a) loan program can be used to purchase machinery
and equipment, real estate property, inventory and/or
to purchase an existing business. Low-Doc (Low Documentation)
loans are used for loans under $150,000.
WHEDA offers a Small
Business Guaranty Program, Linked Deposit Loan Subsidy
Program and an AgriBusiness Guaranty Program.
|
| Contact
/ More Information |
|
To learn more about agricultural and commercial loans
please contact:
Bruce A. Salzman, Executive Vice President
Keith V. Witte, Assistant Vice President
|
Convenient and flexible options to meet
your personal financial needs.
- Auto Loans
- Boat Loans
- Recreational Vehicle Loans
| Contact / More Information |
To learn more about personal
loans please contact:
Nancy A. Filla , Loan Officer
Pauline M. Pieterick , Loan Officer
Carlotta A. Ehmen , Branch Manager
Nancy M. Lettner , Vice President
Our loan options include loans for every
need.
State Bank of Arcadia can arrange a mortgage
loan for you that is just as comfortable as your home. Buying,
building, renovating, or refinancing your home is a big undertaking
and our real estate lenders can make the process quick and simple.
| Fixed
Rate |
- Rate locked in for full term of loan.
- For purchase or refinance.
|
| WHEDA |
- Below market interest rates.
- Low down payment.
- Low closing costs.
- Must meet income and purchase price limits.
- For purchase or construction.
|
| Conventional |
- Perfect for unique situations.
- Loans approved locally.
- For purchase or refinance.
|
| New
Construction |
- Pay interest only until completion.
- No limit on draws.
- Preferred rate for 1st 5 years of loan.
- Can be converted to fixed-rate loan upon completion
of construction.
|
| State
VA |
- Home loan program available through the Wisconsin
Department
of Veteran's Affairs.
- For eligible Wisconsin veterans and their families.
- For purchase or construction of a veteran's primary
residence.
|
| Home
Improvement |
|
Allows you to borrow against the equity in your home
to add on, remodel, replace windows, roof or furnace,
etc.
|
| Contact
/ More Information |
|
For competitive rates, experienced lenders and superior
service please contact:
Nancy
A. Filla , Loan Officer
Pauline M. Pieterick , Loan Officer
Carlotta A. Ehmen , Branch Manager
Nancy M. Lettner , Vice President
|
|
Student loans are available through
the Federal Family Education Loan Program (FFELP). Stafford
loans are low-interest loans that help students pay
the cost of attending a post-secondary school. Federal
Stafford loans may pay only for education costs not
covered by other sources of financial aid. The Federal
PLUS loan is also available for parents of dependent,
undergraduate students.
| Contact / More Information |
To learn more about student loans please contact:
Janet M. Mueller , Vice President
Brenda Bautch, Administrative Assistant
|
|
