Business Loans

Local small & large business loans with GCSB

No matter the size, operating a local business warrants support from people you can trust. Guthrie County State Bank has proudly financed loans for farming and agriculture as well as commercial local businesses for almost 90 years.

Business loan products

Loans for the ag industry

The farmers in our Iowa communities play a big role in our local economies, so Guthrie County State Bank is proud to serve as a competitive lending partner. Contact us to discuss loans for operating lines of credit, machinery, livestock, or farm real estate mortgages.

Farm operating loans

Even with today’s technology, farming is not a predictable business. Guthrie County State Bank offers fixed or variable rate loans for your farm operation to provide flexibility for expenses or feeder livestock purchases. We’ll help analyze your operation, find the best solution and charge interest only on the outstanding balances.

Equipment & breeding stock loans

Consider our lending team an extension of your operation. We’ll work with you to acquire the machinery and breeding stock you need for your goals with flexible repayment terms. Qualified borrowers may be able to finance up to 100% of the purchase price.

Agricultural land loans

Whether you farm the land yourself or are looking to invest, Guthrie County State Bank’s lending team can assist you with agricultural land purchases. We offer five-year adjustable-rate mortgages (ARM) with flexible repayment terms. Qualified borrowers may be able to finance up to 85% of the land value.

Small business loans

Small Business Administration lines of credit

The Small Business Administration extends funding and lines of credit to small businesses for growth or to pull through challenging times. Reach out to your Guthrie County State Bank relationship manager for more information.

Capital asset loans

Making purchases to grow your business sometimes comes at a cost that you can’t afford up front. With a Capital Asset Loan from your GCSB relationship manager, you can position your business for growth with flexible repayment options and competitive rates.

Commercial real estate mortgages

Buy a space for your employees to work from or refinance your loan to improve your business. Work with your local GCSB relationship manager to ensure the process goes smoothly while enjoying competitive rates and flexible loan options.

Estimate your business loan payment


Time period

The information and analysis provided by these calculators is for illustrative purposes only. The figures shown are theoretical and may not be applicable in all situations. Consult a financial professional prior to relying on the results. The accuracy of the calculated results is not guaranteed and is intended for illustrative purposes only.

Learn more about interest rates.