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At Centennial Bank, we want to be your lender. Our local loan officers will work with you to provide the right loan for your particular needs. Our loan products offer reasonable fees, competitive rates and great customer service.

If you need to borrow money to finance a new business, or satisfy a financial need to grow your company, allow us the chance to make it happen.

Commercial Loans

Whatever your business requires, our Commercial Lending Group will work with you to provide timely financial support to build the foundation for your business projects, goals and expansions.

A secured loan from Centennial Bank allows a business to borrow against its qualified assets. We also have short term commercial loans for seasonal working capital needs.

Stop by and visit with one of our loan officers. We will review your financial statements with you and offer a plan to meet your particular financial needs.

Commercial Lines of Credit

At Centennial Bank, you can arrange for a line of credit now and use it when your business needs it.

Once you have established a line of credit, we’ll periodically review it with you so you can meet anticipated credit needs. Lines of credit can be established for many purposes including: working capital, inventory purchases, bond pre-qualification and accounts receivable financing or other commercial needs. You can borrow all or part of your established line of credit as you need it.

Set up one today, and you’ll be prepared for tomorrow.

Construction Loans

If you are ready to build your next home or building, we can help you finance it every step of the way.

Your construction loan will be a short term loan for financing the cost of the construction. There is a variety of financing options from which you can choose. Please contact our local loan officers to learn more.

Industry Specific Loans

Agricultural Loans
When it's time to finance or refinance property, land improvements, buildings and facilities, our local loan officers have the tools and expertise to develop the financial plan that suits your needs. Whether it's a 5 acre plot or a 50,000 acre spread, we can put the financing together for you. You may select your payment schedule and term based on variable or fixed interest rate options. Because of our ability to make local credit decisions, we respond quickly to your total agriculture financing needs.

Equipment Loans
Equipment Loans are an excellent source of funding for purchasing equipment, vehicles, and other fixed assets or for obtaining permanent working capital. You’ll enjoy competitive fixed or variable interest rates, monthly payments automatically debited for your convenience, and the option to pre-qualify online or in person. Equipment and other term loans are available for 3, 5 or 7 years.

SBA Loans

The U.S. Small Business Administration (SBA) and the USDA offer a variety of loan programs to meet your needs. SBA Programs are for U.S. Citizens or Permanent Resident Aliens (must provide proof) and Owner-occupied and Owner-operated businesses (not for investment or non-profit businesses). Applicants must have a minimum 10% cash, or equity injection (may require additional capital), good credit history (business & personal), capability (must have industry experience and proper licenses when applicable by State Statutes), and commitment (must be willing to sign a personal guarantee and pledge personal assets, if available). For the USDA Programs, borrowers/business must be located in a Rural Area (per the site map on the USDA website).

Approved to offer SBA loan products under SBA's Preferred Lender/Express programs.

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Bank Owned Real Estate

Browse Centennial Bank's Properties for Sale, or Real Estate Owned List, including but not limited to residential and commercial properties acquired by Centennial Bank, their Affiliates, or as Servicer, through foreclosure.

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Student Loans

For college expenses not covered by scholarships and federal loans, Centennial Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

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