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Business is our business.

From local underwriting, to fast turnaround times and personal inspections, business loans are what Butte Community Bank does best.

Business Loans

01. Agricultural Loans and Lines

  • Funds available for any qualified agriculture related need.
  • Draw funds as budgeted.
  • Advances are made directly to your Butte Community Bank checking account.
  • FmHA Guaranteed Loans
  • Butte Community Bank has extensive expertise in this field.

02. Equipment Leasing

  • Terms from one to five years.
  • Fixed interest rates.
  • Monthly or annual payments.
  • Lower down payments mean more cash to work with.
  • Interest may be tax-deductible; consult your tax advisor regarding deductibility of interest and other fees or charges.

03. Business Construction Loans

  • Variable rate loans.
  • Ten-draw system, with inspections within 24 hours.
  • Borrow up to 70% of the appraised value.
  • Quick turnaround time.
  • Local underwriting, inspections and disbursements.
  • Automatic disbursement of funds to your Butte Community Bank account.

04. Commercial Real Estate Loans

  • Borrow up to 70% of the appraised value.
  • Loans for owner occupied and non-owner occupied properties.
  • Interest rate fixed for up to five years.
  • Local underwriting.
  • Know exactly what your monthly payments will be.
  • Build equity, instead of leasing or renting.

05. Business Lines of Credit

  • Cash whenever you need it.
  • Payments can be interest only.
  • 1% fee the first year; annual renewal fee is 0.5 point.
  • Peace of mind knowing the money is available.
  • Telephone transfer funds to your Butte Community Bank account.
  • Use funds for any short-term needs.
  • Local decision making.

06. Express Business Lines of Credit

  • Fewer documents required.
  • Reduced fees.
  • Accelerated approval process.
  • Lines up to $50,000.
  • Ability to use as an overdraft protection for a business account.

07. Business Term Loans

  • Loans with fixed terms and repayment schedules are also available for equipment purchases and working capital.

08. Express Business Term Loans

  • Fewer documents required.
  • Accelerated approval process.