Business Equipment and Working Capital Loans

Farmers State Bank has been helping business owners since 1911. Our local lenders help business owners with needs such as start up, upgrade and expansion. Decisions are made right here in the communities we serve.

We Offer

  • Adjustable Rate Loans
  • Fixed Rate Loans
  • Revolving
  • Interest Only
  • Bridge Loans


For current rates, please call (715) 258-1400 and ask for Dick Phillipsen or Jeff Spindler.

Apply Today

To apply for a Equipment or Working Capital Loan today, please complete our online application.


Commercial Loan Checklist

  • Completed Application
  • 2 most recent checking & savings statements
  • Driver's license for all applicants
  • Last 2 years of W2s
  • Last 2 years of tax returns (include all pages)
  • Social Security and or Pension award letters
  • Investment, IRA, 401k statements
  • Signed Borrowers Certification & Authorization
  • Signed & completed Request for Tax Transcripts
  • Signed Right to Receive Copy of Appraisal
  • Signed Appraisal Delivery Waiver
  • Accepted offer to purchase
  • Additional items if requested by underwriters

Corporation Additional Items

  • Tax EIN
  • Articles of Incorporation
  • Individual Financial Statement
  • Collateral description

LLC Additional Items

  • Tax EIN
  • Operating Agreement
  • Individual Financial Statement
  • Collateral description


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