Commercial construction loans can be used for new building purchases, construction, and remodels. Branson Bank has a long history of working with developers, builders, and investors involved to build commercial real estate construction projects throughout the community with contacts for local approvals, inspections, and contractors. A construction loan can take your business from acquisition to development and construction to permanent financing.

Equipment loans are used to buy business equipment that are secured by the equipment itself. Instead of putting up your house or business, you use the item you are purchasing as collateral, which allows you and the bank to grow a small business together.

Branson Bank has a term loan to fit your business needs. If you are expanding, need to purchase equipment, or just need extra operating funds, we offer both secured and unsecured loans with fast, local approval and convenient payment terms.

A working capital loan is a loan that has the purpose of financing the everyday operations of your company. Cover accounts payable, wages, cyclical sale cycles, or heavy seasonality with a loan to help keep stable throughout the year. Working capital loans are a great way for business like to generate capital and enable great focus on business growth.

Branson Bank offers revolving lines of credit designed to provide operating capital for growing businesses. When a business is growing, accounts receivable and inventory levels also increase, resulting in the need for financing. Contact one of our loan experts to discuss your business loan needs.

A revolving line of credit is a flexible method of borrowing money for your business. Instead of borrowing a fixed amount of money all at once, a revolving line of credit gives your business advance approval to borrow the money you need, up to a certain pre-approved limit. A revolving line of credit is a great way to manage unexpected expenses or seasonal costs while keeping you in control of how much you use.

The bank offers standby letters of credit necessary to guarantee payment to vendors, government, or other entities. This is a viable alternative to insurance bonding at a reduced cost. Let us assist you when this financing need arises.

A commercial real estate loan lets you purchase or refinance an owner-occupied business property or expand you existing facility. If you own property free and clear, you can also use a commercial real estate loan to leverage your equity to finance equipment, inventory, or expansion. Commercial loans can help to get a business started and to assist in market growth.

Loans for:

• Longer payback period for major purchases
• Up to 20 years amortization
• Matched terms of loan to life of the asset

Use our business mortgage loan program to buy, build, improve, or refinance your commercial property. We can also finance your land acquisition for future expansion.

Branson Bank is an SBA Express Lender.

Depending on your small business loan needs, you may qualify for a Small Business Administration Loan. Visit with a Branson Bank Commercial Loan Officer to identify what loan product fits your needs.

For more information about SBA Loan Products, see below.

Form 1919: Click Here

Form 413: Click Here

SBA 7A

This program is designed to assist small businesses requiring financing for any of the following listed purposes: 1) Funding for start-up businesses 2) Purchase of existing business 3) Expand/renovate facilities 4) Finance working capital/receivables 5) Construction 6) Refinancing 7) Purchase equipment/inventory. Benefits to the borrower are 1) Long-term financing 2) Improved cash flow 3) Fixed maturity 4) No balloons. SBA 7a info: Click Here

SBA 504

This program is one of the best financing programs available today for business owners to purchase their own commercial real estate properties. Proceeds from a 504 Loan can be used to purchase a building, finance improvements, or purchase heavy machinery and equipment. Other benefits of the 504 Loan are 1) Fixed Rates 2) 90% Financing 3) Tax Deduction 4) Finance Closing Costs 5) Finance Unique Property Types.  504 loan information: Click Here.  504 Loan application: Click Here

Express Lender

The SBA Express loan is ideal for new businesses that need guaranteed funds quickly or who want to improve cash flow, refinance debt, or fund improvements, equipment, or real estate. It features the easiest SBA application process and accelerated approval times, plus it offers longer terms and lower down payment requirements than conventional loans. Branson Bank is an Approved Express Lender, and we can help you negotiate interest rates and terms with as little as a two day approval process, without any special application process. Come in today and see how we can help your business thrive.

For the latest information regarding SBA, Click Here.

If you need assistance with the completion of your application you may reach out to your accountant or to the Small Business Development Center at MSU. This is a free service that can work with you to assist in completing and answering questions. You may contact them at their website:  https://sbdc.missouristate.edu/.

An Agriculture Line of Credit provides quick access to funds for a wide range of needs, from crop input expenses to cattle purchases to working capital. Once established, your credit line can be drawn from at any time, without the hassle of reapplying. Branson Bank offers flexible revolving and non-revolving terms, depending on your farm needs.

Branson Bank offers competitive real-estate secured agricultural loans to farmers and ranchers around the area, specializing in loans for full-time and part-time farmers. We offer competitive interest rates with flexible terms so you can purchase farm land, make improvements, or refinance existing debt. Let us help you forget about financing and get to farming.

The Farm Agency (FSA) Guaranteed Loan program is a resource for farmers and ranchers to obtain financing when they do not meet the qualifications of a traditional loan. Whether you have experienced a drop in commodity prices, are purchasing your first farm, or just need to restructure your farm debt to improve your cash flower, this may be the resource you need to take your operation to the next level. As a region leader in providing FSA Guaranteed Loans, we have the knowledge and experience to assist you with your financing needs.

Our equipment and livestock loans gives you a competitive rate and options tailored to your unique operation. Our loans are specifically designed to finance all types of farm machinery, livestock, machine sheds, grain bins, irrigation systems, trucks and other related items. Variable, fixed, and adjustable interest rates are available to allow you the flexibility to manage risk, in addition to payment plan options, and maturity that fits your cash flow and production cycle.