Operating Lines of Credit

An operating line of credit is a perfect solution for short-term financing and immediate cash needs.

It lets you access funds as needed and assists you with managing the cash flow needs of your business. Cover many of your short-term financial needs which may include:

• Working capital
• Inventory purchases
• Seasonal fluctuations
• Equipment repairs
• Accounts receivable
• And much more!

Letters of Credit

Be sure your oil and gas business is prepared to start drilling with a letter of credit from CB&T.

Trust our business loan officers to customize a loan with competitive interest rates and flexible terms to help you meet your objectives. Their ample experience in the industry will contribute to your success.

• Competitive interest rates
• Flexible repayment schedules
• Quick answers with local decision-making
• Experienced loan officers that put your interests first

Agriculture Loans

CB&T is committed to helping our farmers, large and small by providing the funding they need to operate their farms. We offer custom-tailored loans, with flexible terms to fit your specific goals — all at competitively low interest rates! Let CB&T be your trusted partner in the success of your agricultural enterprise.

• Purchase of farm property
• Refinance of existing farm loans
• Equity loans for farms
• Farm improvement projects
• Purchasing breeding stock
• Refinance or restructure existing livestock financing
• Facilities improvement
• Feed, fertilizers, irrigation

Equipment Loans

At CB&T we understand the needs of our area's businesses, and we are ready to help them meet the challenges of their complex operations. From tractors to state-of-the-art technology, we will help you get the tools you need to keep up with demand. We combine competitive rates, quick decision-making, flexible terms, and a local understanding you won't find at large corporate banks.

• Purchase or refinance new or used equipment
• Purchase or improve fixtures or facilities
• Upgrade existing equipment or other fixed assets
• Purchase vehicles
• Professional service from lenders you know and trust

Small Business Administration(SBA) Financing

Start or expand your business with a loan from CB&T that is also partially guaranteed by the Small Business Administration (SBA). CB&T specializes in two types of SBA guarantees, a 7(a) loan or a 504 loan.

• SBA 7(a) Loan
  • Purchase new real estate (including construction)
  • Repair or refurbish existing assets
  • Purchase or expand an existing business, including franchises
  • Partner buyouts
  • Provide working capital
  • Refinance existing debt
  • Purchase machinery, furniture, fixtures, supplies or materials
• SBA 504 Loan
  • Purchase or construct owner-occupied commercial real estate
  • Purchase or renovate long term capital assets