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Loans & Mortgages .





Consumer Loans

  • Automobile Loans
  • Boats
  • Personal Lines of Credit

Commercial Loans

  • Equipment & Machinery
  • Livestock
  • Accounts Receivable & Inventory
  • Retail Inventory
  • Acquisition & Start UP
  • Real Estate Investment
  • Agricultural (FSA)

Real Estate Loans

  • Owner Occupied 1-4 Family
  • Home Equity Line of Credit
  • Improved Commercial/Industrial
  • Improved Agricultural Land
  • Construction
  • Tax Smarts

SBa LOans

We are a market leader in all types of SBA loans

Standard 7(a) Loan Guaranty program

FUNCTION: Serves as the SBA’s primary business loan program to help qualified small businesses obtain financing when they might not be eligible for business loans through normal lending channels. It is also the agency’s most flexible business loan program, since financing under this program can be guaranteed for a variety of general business purposes.

Loan proceeds can be used for most sound business purposes including working capital, machinery and equipment, furniture and fixtures, land and building (including purchase, renovation and new construction), leasehold improvements, and debt refinancing (under special conditions). Loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets.

Certified Development Company (CDC), a 504 loan program

FUNCTION: Provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization. Typically a 504 project includes a loan secured from a private-sector lender with a senior lien, a loan secured from a CDC (funded by a 100 percent SBA-guaranteed debenture) with a junior lien covering up to 40 percent of the total cost, and a contribution of at least 10 percent equity from the borrower.

SBA Express Loan Program

FUNCTION: Serves as a division of the standard 7(a) program. Provides loans up to $350,000 for term loans and also for Lines of Credit. The terms and use of proceeds are the same as Standard 7(a) loans. In providing a lower guarantee on the loan, SBA provides a faster turnaround time and streamlined process.

USDA Loans

USDA (United States Department of Agriculture) B&I (Business & Industry) loans were set up in an effort to improve rural communities, by assisting in the creation of and saving jobs. Securing financing in small towns is often a very difficult tasks as most national and regional banks will NOT lend to borrowers with commercial real estate located in communities with less than 50,000 people. This program fills that void. The benefits with the USDA B&I program are many. Higher leverage (up to 80%), and relative flexible underwriting standards top the list. Loan amounts range from $500,000 to $25,000,000. B&I loans are normally amortized over 30 years, which can have a dramatic increase in cash-flow compared to a 20 year schedules which is more common with small town local banks.

Criteria for USDA Loans

Eligible Borrowers

Any legal entity including Individuals, public and private organizations and federally recognized Indian tribal groups.

There is no size restriction on the business

Use of Proceeds

B&I Loans may involve acquisitions, construction, conversion, repair, modernization or debt refinance.

Loan proceeds can be used for real estate acquisition and/or improvements, machinery, equipment, furniture, fixtures and working capital. Closing costs and guarantee fees are also eligible meaning you can roll the closing costs Into the loan amount.


All B&I Loans are fully amortized with no balloons or call dates.

Repayment terms are up to 30 years for real estate and improvements, up to 15 years (or useful life) for machinery, equipment, furniture and fixtures and up to 7 years for working capital.

Rates are based on a spread over the Prime Rate. Rates vary depending on the specific strengths of the transaction.

Agricultural (FSA) Loans

FSA (Farm Service Agency) Loan program

FUNCTION: Serves as USDA's primary farm loan program to help qualified farmers and ranchers obtain credit, when they do not meet the lender's normal underwriting criteria.

Loan Purposes

Guaranteed Ownership Loans

Guaranteed Farm Ownership (FO) Loans may be made to purchase farmland, construct or repair buildings and other fixtures, develop farmland to promote soil and water conservation, or to refinance debt.

Guaranteed Operating Loans

Guaranteed Operating Loans (OL) may be used to purchase livestock, farm equipment, feed, seed, fuel, farm chemicals, insurance, and other operating expenses. Operating Loans can also be used to pay for minor Improvements to buildings, costs associated with land and water development, family living expenses, and to refinance debts under certain conditions.

Maximum Loan Size

FSA can guarantee OLs or FO loans up to $1,355,000 (amount adjusted annually based on inflation).

Loan Terms and Interest Rates

Repayment terms vary according to the type of loan made, the collateral securing the loan, and the producer's ability to repay. OLs are normally repaid within 7 years and FO loans cannot exceed 40 years.

The Guaranteed loan interest rate and payment terms are negotiated between the lender and the borrower within certain allowable benchmarks.


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