Business & Agricultural Loans

Commercial Loans

We offer a wide array of commercial financing solutions including the following:

• Short term operating and working capital loans
• Vehicles, machinery, and equipment purchase loans
• Commercial real estate acquisition and development loans
• Inventory financing loans
• Business acquisition loans
• Construction loans
• Refinance and consolidation loans
• Agricultural loans

Contact a Commercial Loan Officer for more information or visit any Banterra location.

Agricultural Loans

Operating & Production Loans

Agricultural lending has always been a strong part of Banterra's foundation in our local communities. In fact, Banterra is ranked 66^th in the Nation for its Ag Lending. (Ag Lender, Vol. 9, Issue 4, April 2005).

Operating loans are set up to handle the expenses associated with your farming operation. Each loan is tailored to your individual needs and requirements. Repayment is structured to match your marketing plan as well as current market conditions. With an operating loan you can take advantage of early pay discounts, manage income tax obligations and generally ease your cash flow needs. Your loan account can be accessed by a phone call, mailed request, online banking, or at any of our banking locations. At Banterra, agriculture is a major part of our loan portfolio. We have the expertise to help analyze the financial aspects of your operation to insure its viability into the future.

Equipment Loans

The agriculture of today requires a large capital investment. Banterra understands this need. With competitive interest rates and repayment terms tailored to your operation, we are ready to help you purchase that combine, tractor or whatever piece of equipment you need.

Real Estate Loans

Loans to purchase or refinance real estate are available with terms up to 20 years (longer under some government guarantee programs).

Contact your nearest Ag-Loan Specialist or inquire at any Banterra location.

Agricultural Insurance

Banterra Insurance offers a full line of insurance* products for today's farmers and agri-businesses. We offer competitive life, health, liability and property lines and have a full line of crop insurance, such as crop/hail, multi-peril, and CRC products. In the multi-peril area, we offer GPS mapping to insure that your premiums and claims are more accurately based on farmable acreage.

*Not a Deposit, Not Guaranteed by the Bank, Not FDIC Insured, Not Insured by any Federal Government Agency.

Machine Tool Finance Division

The Machine Tool Division at Banterra Bank specializes in financing manufacturing and production equipment of all types. Our knowledge of your business allows us to engineer financing structures to meet your specific needs. Banterra Bank will provide specialized or niche-lending services that are designed to enhance the success and expansion of manufacturers like you, who rely on machine tools for production. 

We proudly offer the following product capabilities:

Simple-Interest Loans  Flexible Financing Structures Low Fixed Rates Prime-Based Financing Plans Available Application-Only Programs

We are NOT a leasing company. At Banterra, we have the bank-financing products and industry specific know-how to help provide the best possible financing solution the next time you purchase equipment.

Doing an equipment lease may create Seven Problems for you. Click here to find out how a Banterra loan may solve those problems.

Click here to find out why your leasing company does not disclose the interest rate on the documents!

For more information please contact us at:

Banterra Bank
Machine Tool Finance
3201 Banterra Drive
Marion, IL 62959
Toll Free (866) 994-8499
Fax (618) 993-9888
machinetool@banterra.com