Commercial Loans & Lines of Credit
Whether you're managing day-to-day cash flow, purchasing equipment, or expanding operations, our Commercial Loans and Lines of Credit provide flexible financing tailored to your business goals. From short-term working capital to long-term investments, we offer solutions designed to support your success at every stage.
SBA 504 loans
River Valley Community Bank offers SBA 504 loan solutions designed to help small businesses grow through long-term, fixed-rate financing. Ideal for purchasing owner-occupied commercial real estate or major equipment, these loans allow qualified borrowers to take advantage of lower down payments and competitive interest rates. With support from the Small Business Administration and local Certified Development Companies, SBA 504 loans make it easier to preserve working capital while investing in your business’s future.
Agricultural Operating Loans & Lines of Credit
From planting through harvest, our Agricultural Operating Lines of Credit provide the seasonal funding needed to manage crop production and operational expenses. For longer-term investments, our Agricultural Term Loans offer financing for equipment purchases, facility upgrades, and other capital improvements. At River Valley Community Bank, we understand the unique demands of agriculture and offer lending solutions tailored to support your success—season after season.
Agricultural Real Estate & Land Development Loans
Whether you're acquiring productive farmland, expanding your current operation, or transforming land for orchard development or higher-value use, River Valley Community Bank offers tailored financing to support your vision. Our Agricultural Real Estate and Land Development loan programs provide competitive terms and flexible structures to help you invest in the long-term growth and value of your land. With deep roots in local agriculture, we’re here to help cultivate your success from the ground up.
Farmer Mac Loans
Through our partnership with Farmer Mac—the nation’s premier source of secondary market financing for agriculture—River Valley Community Bank is able to offer expanded Ag Real Estate loan options with flexible repayment terms. This partnership gives you more choices when financing your farm, including the ability to lock in long-term, fixed interest rates and gain greater predictability in your loan payments. Whether you’re refinancing, purchasing property, or planning for the future, our Farmer Mac solutions are designed to bring stability and strength to your operation.
Construction Loans
Planning to build a new facility or expand your existing space? Our Construction Loan programs provide the financing you need to bring your commercial building project to life. With streamlined funding designed to keep your project on track, you’ll benefit from flexible draw schedules, expert guidance, and the option to convert to long-term financing upon completion. At River Valley Community Bank, we make it easier to build with confidence.
Commercial Real Estate Loans
Whether you're purchasing a new property, refinancing existing holdings, or developing commercial space, River Valley Community Bank offers tailored Commercial Real Estate Loans to support your business objectives. With competitive rates, flexible terms, and local decision-making, our financing solutions are designed to help you build equity, expand operations, and invest in long-term success.