Keep your business growing with a competitive loan from a local bank.

Keep your business growing with a competitive loan from a local bank.

Local Financing from Lending Experts

You’re here because you have big goals. Our goal is to ensure businesses are connected with the best funding for their needs.

Regardless of what type of business you own or manage, we can help by providing the services the big banks offer with the added reassurance of knowing that we make LOCAL decisions, offer LOCAL financing and LOCAL servicing.

Start Up Business

Looking to start a new business and need financing?

We offer flexible terms, competitive rates, and unmatched customer service. Our lending staff understands what starting up a business is all about, and we will assist you in every way possible to see your dreams come true.

Equipment Loans

Is your equipment old, worn out, and needs to be replaced? Maybe you just need a new piece of equipment?

We can help you with the financing!

We offer equipment and machinery loans to meet the various needs for your business.

Business Real Estate

Business Real Estate Loans are for the business owners looking to purchase new or finance existing commercial real estate. We take great pride in making local decisions for our communities – let us provide the financing for your business today!

Lines of Credit

The advantage of a line of credit is you pay interest on only the amount you draw. Open a Welch State Bank checking account and we can transfer the money for you at your convenience.

Improve Cash Flow, Purchase New Inventory, Purchase New Materials, and Purchase New Equipment.

SBA Loans

SBA loans can help growing businesses purchase or renovate real estate, acquire fixed assets such as heavy machinery or specialized equipment, or supply working capital for ongoing financing needs. As an SBA lender, we can help your business grow with several types of SBA loans. Depending on your request, you may be able to borrow up to 100% of your financing needs due to SBA loans having higher loan-to-value ratios, and we can potentially offer longer finance terms with different payment options.

Business, Agriculture, and Municipal Leasing

Exceptional Personal Service. Competitive Pricing.

Benefits to Leasing

  • Provides long term, fixed rate financing to protect the operating budget from fluctuations in variable interest rates
  • Provides 100% equipment financing without compensating balances or down payments
  • Conserves cash
  • Allows the benefits of ownership without major cash outlays, debt restrictions or asset management responsibilities
  • Offers a hedge against inflation, so today’s needed asset is paid for with tomorrow’s dollar
  • Offers numerous payment plans and lease end options for maximum flexibility

Business Leasing

We help businesses with lease purchases from small office machinery to heavy machinery. Business Leasing Opportunities include computers & copy systems, vehicles, aircraft, heavy machinery, and much more.

Agricultural Leasing

We provide leasing for buildings, equipment, irrigation systems, and everything in-between. Leasing builds on our commitment to provide you with the financial tools you need to succeed.

Municipal Leasing

We are here to help municipal government, agencies, or schools maximize their budget through lease-purchase financing. This allows you to purchase items ranging from copy machines to heavy equipment to buildings without large demands on your cash flow.