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Commercial Lending

Financing Built for Local Business

Commercial lending solutions designed to keep your business moving forward.

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Choose The Financing That Fits Your Goals

We bring local decision-making and a relationship-driven approach to every loan. That means faster answers, flexible structures, and a partner invested in your success for the long haul.

Commercial Real Estate Loans
Expand into a new property, renovate your current space, or refinance an existing facility. A commercial real estate loan gives you the room to grow while investing in your company’s future.
Equipment Loans
From heavy machinery to specialized tools and vehicles, equipment financing helps you acquire what your business needs to operate efficiently—without tying up working capital.
Working Capital Loans
Cover seasonal swings, manage payroll, or create a cushion for unexpected expenses. Working capital loans provide flexible access to funds when you need them most.
Business Purchase Loans
Transitioning ownership doesn’t have to be complicated. Whether you’re acquiring a business or buying out a partner, business purchase loans make the process straightforward and sustainable.

Agriculture Loans

Our roots run deep in agriculture, and we remain committed to supporting local farmers. If you're looking for farm real estate loans, equipment financing, or a line of credit for your ag business, please visit our Agriculture Loans page.

Find The Right Fit

Compare loan types side by side to see which option best supports your business goals.

Loan Type Common Uses

Why It Works
Loan Type

Commercial Real Estate
Common Uses
New space, expansion, or refinance

Why It Works

Build equity while growing your base
Loan Type
Equipment Loans
Common Uses
Tools, machinery, vehicles

Why It Works

Modernize operations without cash strain
Loan Type
Working Capital Loans
Common Uses
Payroll, supplies, seasonal needs
Why It Works
Smooth out cash flow fluctuations
Loan Type
Business Purchase Loans
Common Uses
Acquisitions or buyouts
Why It Works
Simplify transactions and plan ahead
  • We greatly appreciate you working with us and doing so in such a timely manner. If you guys did not work so hard, we would not have received our loan in time.
    Steve & Maria
  • After our first conversation, I knew I was in good hands. You have been incredibly helpful, patient, knowledgeable, approachable, and kind throughout this whole process.
    Jack
  • What I love about Osgood Bank is that it is a local bank with a hometown feel, very convenient for our business, and located just down the street from where we live.
    Audra
Ready To Take The Next Step?

Contact A Commercial Loan Expert

Whether it’s property, equipment, or everyday capital needs, our commercial lending team is here to help your business thrive. Let’s talk about the best solution for you.
Frequently Asked Questions

Commercial Loan Questions

When should I start the application process for my commercial loan?

The sooner the better. The best strategy is to consider the cost of acquisition and development to identify any outside capital needed during the initial bidding process of a project. 

Lending experts at Osgood Bank will help guide you confidently navigate the lending process.

What do I need to consider when seeking a commercial loan?

You should know exactly how much money you need, what it’s for, how the repayment schedule aligns (or doesn’t) with your expected receivable schedule, and whether or not you can build the cost of the loan into the total cost of the project.

If this seems overwhelming, don't worry. We are here to help.

What information do you need for a loan request?

Typically you will need recent financial statements, tax returns, and information on your business plans or collateral.

Sometimes additional documentation is needed. One of Osgood Bank's commercial lending experts will identify what documents are needed based on a variety of factors.

Robb Conference
Sola FL
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Zach and Austin