business person holding lit lightbulb over stacks of coins

Business Loans

When your business needs new equipment, you can't wait months to buy it. And when it's time to expand, you need that new location yesterday. We understand the importance of timing in business. That's why we offer everything from lines of credit to real estate loans with a personal touch. We know your needs are immediate and so is our service.

Letters of Credit

Do you need a loan but aren't exactly sure when or how much you will need? Ask about out letters of credit. Letters of credit are issued to prove borrowing ability without actually receiving a loan at that time.

Lines of Credit

When it comes to financing the needs of your business, a line of credit just makes sense. It gives you immediate access to the funds you need for repairs, emergencies and the expenses associated with day-to-day business without the high rates associated with credit cards.

Real Estate Loans

Have you found a more successful location for your business? It's time to ask about our commercial real estate loans. Whether you're expanding or just starting up, we can help you afford the right location and the right price.

Construction & Expansion Loans

You've got a plan. Now, what about the funds? That's where we come in. We offer financing that can make all the difference when it comes time to build or expand your business. We help businesses get the things they need today, so they can be successful tomorrow.

Working Capital Loans

Does your company have a plan for unexpected expenses? Expect the unexpected with a working capital loan. Working capital loans are used when additional funds are needed for the start-up or operating expenses of a business. We can help you with the things you need today, so your company can grow tomorrow.

Small Business Loans

Monticello Banking Company is proud to be the leader in SBA lending in our area! Helping small businesses thrive is one of our specialties and we'll be more than happy to go to work for your company. In addition to offering products designed to make managing your accounts easier than ever before, we provide a variety of small business loans such as the 7(a) Loan Guaranty Program and 504 Loans.

USDA Rural Development Loans

USDA Rural Development loans are used to meet the long term fixed asset purchase of any size business.

Agricultural Loans

With all the variables that go along with an agricultural operation, it's good to have a steady partner in your corner. We're here when you need financing to pay for planned expansions or unexpected breakdowns. Our rates are competitive, our terms are flexible and our people understand your unique needs. Let's start building a partnership you can count on throughout the seasons.

Visit us to apply for your Business loan today.