Community State Bank Commercial Loans & Financing

At Community State Bank we offer loan programs to meet the needs of Iowa businesses, both small and large. By working closely with you, we create personalized commercial or small business lending programs tailored to meet your individual business and financial goals.

Commercial Lending & Financing Capabilities

When a business, or multiple entities needs money, they will request a business loan from a bank or financial institutes. If approved for the loan, they are incurring a form of debt in which they must repay. The business loan itself comes from banks and other financial institutes and is only accepted if the borrower agrees to certain terms, which might include finance charges, repayment date, interest, etc.

Business loans can be advanced for many reasons including major purchases, investing, renovations, or even business ventures. When an existing business wants to expand, a commercial loan can help them do so.

Business Loans & Financing Services We Provide:

Commercial State Bank offers the services you need to meet your financial needs. Our team of professionals are committed to helping businesses in Iowa and we’ll work with you to create a customized plan that enables you to achieve your business’ goals. Learn more about our services below:

  • Commercial Lines of Credit are an option your business may choose if you have business needs to pay for and cash isn’t available. Once your business is approved, CSB will provide you access to money that can be used to pay for any business expenses that arise.
  • Letter of Credit is a document CSB can send to a party on behalf of our customers as an assurance that a payment, or payments will be made in full and on time. If you are unable to make the payment, CSB will then pay in full on your behalf, or pay any leftover amount due to the seller. Reach out to our experts if you’re interested in or have questions regarding letters of credit.
  • SBA Loans are small business lending options that we offer at CSB. The Small Business Association (SBA) is an agency that works with lenders to support small businesses in achieving their financial goals. While they don’t directly lend money to small businesses, they benefit them by providing an easier access to financial capital.
  • Agriculture & Equipment Financing enables farmers to receive loans to purchase farming equipment and other business essentials. Once purchased, the equipment is then used as collateral for the loan.
  • And More…

Commercial Lending & Financing Industries We Serve:

  • Commercial Construction
  • Commercial Real Estate
  • Manufacturing & Industrial
  • Agriculture
  • And More…

Why Choose Community State Bank?

Community State Bank puts the community first. Our professionals are committed to making our community stronger through customized financial plans that help Iowans reach their personal and business goals. We rely on our employees’ trustworthiness, professionalism, passion and talent to foster relationships and provide real advice and solutions to our clients each and every day. Get in touch with a professional at Community State Bank today.

Our Commercial Loans & Financing Team

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Kurt Gibson
President & CEO
Kim 400px
Kim Butler Hegedus
EVP, Commercial Banking & Chief Lending Officer
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TJ Brand
SVP, Commercial Banker
commercial lender drew conley
Drew Conley
SVP, Commercial Banker
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Sam Rasmussen
VP, Commercial Banker
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Keith Christianson
SVP, Commercial Banker
Nathan Sniezek 400x400
Nathan Sniezek
VP, Commercial Banker
Jake Porter
Jake Porter
AVP, Commercial Banker
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Zack Smith
Commercial Banker
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Crystal Wright
VP, Small Business Banking Officer

At Community State Bank we offer loan programs to finance all types of credit needs for your business both small and large. By working with you, we create a personalized lending program that is tailored to meet your individual borrowing needs.

  • Commercial Construction
  • Commercial Real Estate
  • Commercial RE Development
  • Commercial Lines of Credit
  • Letters of Credit
  • SBA Loans
  • Equipment & Agriculture