Commercial Lending Services

Home Federal Bank offers a variety of loan options for businesses and other organizations within our market area. Our seasoned lending staff is available to work with you one-on-one to tailor a financing solution suited to your individual needs.

Seasonal and Short Term Credit

We provide credit to fund seasonal buildups of inventory or accounts receivable or special one-time needs for cash. These loans can be set up as either revolving lines of credit or short term notes to be repaid from the proceeds related to the need.

Working Capital Lines & Term Loan

Successful businesses very often find themselves in need of additional funds to support growth and expansion. We can help meet this need by providing working capital lines or term loans to be repaid from future cash flows.

Financing for Plant and Equipment

We provide a wide range of financing for fixed assets ranging from construction and permanent financing for buildings to financing for vehicles, machinery, and equipment.

Commercial Real Estate Financing

We have provided both construction and permanent financing for a variety of commercial and other income-producing properties throughout our market area, all with a personal, customer-oriented approach.

Loans to Churches and Nonprofit Organizations

As a citizen of our community, we have a special interest in assisting churches and other service organizations with their financing needs. Our organization and staff have extensive experience in this area, which can be a real "positive" toward the success of your project.

Residential Construction and Subdivision Development Loans

We have been helping residential builders and developers achieve their goals for over three-quarters of a century. When it comes to the area residential market, our "know how" and experience are second to none.

Loans to Business Owners

As a full service local bank, we are best suited to coordinate your total financial needs, both personal as well as business, in a thoughtful and efficient manner.