Business Loans

Commercial Loans | Agricultural Loans | Real Estate Loans

Are you ready to start your own business, or increase or update your farming operation for the future? Osgood State Bank has a loan product for all of your business or agricultural needs. Our loan officers are available to serve your needs at your convenience. Below is an overview of our loan products. Please contact one of our loan officers to discuss these, and the other products we have available.

Commercial Loans

Operating Lines of Credit
Commercial Real Estate
Equipment Purchase or Refinance
Investment Property Loans
Auction Letters of Credit

Commercial Lines and Notes

Operating Lines of Credit
Single-Pay Notes
Interest Rate Adjustable Quarterly
Interest Payable Quarterly

Commercial Equipment Loans

Terms up to 5 years
Interest Rate Adjustable Quarterly
No Prepayment Penalty

Commercial Real Estate

Purchase or Refinance
1-yr, 3-yr. or 5-yr. Adjustable Rate
10 Year Fixed Rate
20 Year Maximum Maturity

Agricultural Loans

Operating Lines of Credit
Ag Real Estate
Ag Equipment
Livestock Loans
Auction Letters of Credit
Farm Housing Loans

Agricultural Equipment Loans

Flexible Payment Schedules
No Prepayment Penalty
New or Used Equipment

Agricultural Lines and Notes

Operating Lines of Credit
Single-Pay Notes
Interest Rate Adjustable Quarterly
Interest Payable Quarterly

Agricultural Real Estate

Purchase or Refinance
1-yr, 3-yr. or 5-yr. Adjustable Rate
10 Year Fixed Rate
20 Year Maximum Maturity

Real Estate Loans

Construction/Permanent Finance Loans
Building Lot Loans

Construction

Automatic Rollover to Permanent Financing Through Adjustable Rate Mortgage (ARM) Program
Free and Unlimited Draws Per Invoice Specifications
Fixed Rate During Construction Period Up to 9 Months
Monthly payments of Interest Only During the Construction Period