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Business Loans

When you want to build your business without breaking the bank, we’ve got a loan for that.

Whether you’re looking to expand, purchase equipment, increase inventory, hire more employees, or consolidate debt, a business loan is the way many business owners get growing.


 
 
 

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 Business Line
Western Security Bank offers a revolving line of credit 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.
 
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, complete the forms above and make an appointment to meet with one of our lenders.
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 above and make an appointment to meet with one of our lenders.

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 above and make an appointment to meet with one of our lenders.

Western Security Bank is a Preferred SBA Lender

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.
 
For more information about the Small Business Administration, simply click the link below.
 
We Offer the following SBA Loans: 
 
SBA Express or (SLA) Small Loan Advantage
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 7a or PLP
Long form application - $350,001.00 to $5 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 several working capital loan programs. Contact one of our Business Bankers listed below for more information.
 
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 above and make an appointment to meet with one of our lenders.
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.
 
To begin your application process, complete the forms above and make an appointment to meet with one of our lenders.

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 above and make an appointment to meet with one of our lenders.