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Financing your business is much easier than you think! We have designed our business loans and lines of credit tailored for every type of business.
| Lines of Credit |
| Equipment Term Loans |
| Commercial Real Estate Term Loans |
| Small Business Administration (SBA) Loans |
| Commercial Construction Loans |
| Agricultural Loans |
Lines of Credit
Western Security Bank offers a number of options to help your business cash flow, when you need it.
Business Revolving Lines of Credit
Western Security Bank offers account and inventory financing to businesses. The primary source of repayment for this type of loan is the conversion of the accounts and/or inventory to cash.
Western Security BusinessLine
Western Security Bank offers a revolving line of credit in a maximum amount of $100,000 for business working capital and operating expenses. Simply write a check from your business checking account and you'll automatically have the funds you need.
Business Overdraft Protection
Western Security Bank offers an overdraft loan protection of up to $10,000 to its business checking customers desiring such protection. This line is tied directly to the business checking account.
For more detailed information on rates, terms, collateral options and additional services, please visit with any member of our commercial lending team.
To begin your application process for any of the above products, complete the forms below and make an appointment to meet with one of our lenders.
Apply:
Equipment Term Loans
Western Security Bank offers term loans with a variety of collateral options to companies or individuals that have demonstrated or projected cash flow to service the debt.
To begin your application process, complete the forms below and make an appointment to meet with one of our lenders.
Apply:
Commercial Real Estate Term Loans
Western Security Bank offers real estate term loans for the purpose of purchasing or refinancing eligible property types for owner-occupied properties including unimproved property, and selectively, for professional real estate investors exhibiting financial strength and liquidity.
To begin your application process, complete the forms below and make an appointment to meet with one of our lenders.
Apply:
Small Business Administration (SBA) Loans
Small Business Administration Loans are extended by the bank with the guarantee of the federal government. This type of loan enables your business to obtain secured financing when conventional collateral might not be adequate. Western Security Bank, as a Preferred SBA Lender, may be able to approve and process your SBA loan right here at our bank.
Tell Me More
Western Security Bank offers the following SBA Loans designed to meet the needs of a new or growing business.SBA Express
Quick application and approval, up to $350,000, revolving or term for up to 7 years for working capital. Equipment loans can be up to 10 years and real estate loans up to 25 years.
SBA Community Express
Designed for low to moderate income areas, with loans up to $250,000.
SBA 7a or PLP
Long form application, loans for up to $2 million, term loans with maximum maturities of 25 years for real estate, 10 years for equipment, and generally 7 years for working capital.
SBA 504 Program
The 504 Certified Development Company Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.
SBA Caplines
This SBA program helps small businesses meet their short-term and cyclical working capital needs. Maximum loan amounts under this program are generally $1.3 million. There are five short-term working capital loan programs:
SBA Export Revolving Lines of Credit
This program is designed to provide short-term working capital to exports.
To begin your application process for any of the products listed above, complete the forms below and make an appointment to meet with one of our lenders.
Apply:
Commercial Construction Loans
Western Security Bank offers construction loans to provide the flexibility needed during the construction phase of your building project. Construction and permanent financing can often be obtained with a single approval and closing.
Western Security Bank can provide construction loans for subdivision development and/or construction of properties for sale.
Coming Soon: Manage your construction loan online, 24 hours a day with our new Online Construction Loan Management System. Borrowers and builders can submit, view and monitor payment requests, communicate between each other and with Western Security Bank, making the process manageable from anywhere you have access to the Internet.
To begin your application process, complete the forms below and make an appointment to meet with one of our lenders.
Apply:
Lines of Credit
Western Security Bank offers annual operating lines to finance your day-to-day cash flow needs through the agricultural production cycle for all types of farming and livestock operations.
Term Loans
Western Security Bank offers term loans for the purchase of livestock and new or used machinery. Loans can be customized to aid your cash flow and working capital needs.
Agricultural Real Estate Term Loans
Western Security Bank offers Agricultural Real Estate Loans to provide financing for agricultural property to meet individual needs such as land acquisition, refinance, or major capital improvements.
To begin your application process, complete the forms below and make an appointment to meet with one of our Agricultural Lenders.
Apply:
Contact a lender below for more information on a business loan. Please do not send sensitive financial information via e-mail. Thank you.
| Darrell Begger Assistant Vice President Business/Agricultural Banker 2675 King Avenue Billings, MT 59102 (406) 238.8170 |
Anne DeBoo Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8254 |
| Kathy Deutscher Vice President Business Banker 1546 Main Street Billings, MT 59105 (406) 238.8897 |
Gregg Glueckert Assistant Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406)371.8226 |
| Scott Godfrey Senior Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8220 |
Jason Hanson Assistant Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8224 |
| Stacie Hould Assistant Vice President Business/Agricultural Banker 2675 King Avenue West Billings, MT 59102 (406) 238.8156 |
Janet Kline Assistant Vice President Cash Management/Business Banker 2812 1st Avenue North Billings, MT. 59101 (406) 371.8224 |
| Jerry Simonson Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8270 |
Craig Swenson Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8222 |
| Ken Wright Vice President Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8223 |
Kris Eklund Business Banker 2812 1st Avenue North Billings, MT 59101 (406) 371.8271 |
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