Business & Ag Loans

Hassle-Free Business Banking

Business & Ag Loans

Hassle-Free Business Banking

Running a business is not easy, but banking at Hills Bank is. Our goal is to provide hassle-free banking while taking a sincere interest in helping you, your family, and your business be successful. Our team of business lending experts has the knowledge and experience to find the right loan options for your business needs. A banker will follow-up with you to discuss your business goals after you inquire online about a business loan.

As a local community bank, Hills Bank will provide:

  • Local decision making
  • Competitive rates
  • Convenient hours
  • No application fees
  • Quick approval time

Quickly access capital

From startups and business acquisitions to equipment and operating loans, we have the loan solutions for your business.

If you have an ongoing need for capital, consider a Hills Bank business line of credit. With it, you can:

  • Purchase additional inventory
  • Finance company growth
  • Cover unexpected expenses
  • Meet seasonal, fluctuating cash needs

Professional solutions

  • Customized banking products designed to make a difference to the professional community
  • Deposit solutions are provided through cash management products
  • Money management needs • Competitive financing solutions
  • Asset protection solutions for retirement, wealth management, and insurance

Commercial construction and real estate development

  • Specialized Construction Loan Department
  • Experienced in all areas of construction lending
    • 1-4 Family (built-to-spec and presold)
    • Multi-Family
    • Commercial
    • Real Estate Development

Agriculture financing

We also offer a variety of customized agriculture banking products and services to meet the specific needs of your farming operation. Whether you are looking to purchase the farm from your grandparents or you need to replace your old tractor, together we can find a hassle-free solution for your farm to succeed.

Business credit cards

Hills Bank proudly offers VISAone® credit cards designed especially for business and commercial customers in need of purchasing, fleet, or commercial credit cards. You can even customize your card with a company logo or employee head shot, or pick a background from our Picture Perfect Catalog.

Appointment preparation

To prepare for your appointment with a business banker, here are a few things to bring:

Existing Business

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business and individuals

Business Acquisition 

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business and individuals
  • Signed purchase agreement
  • Projections for at least one year – cash flow, balance sheet, and income statement

Start-up Business

  • Detailed business plan
  • Signed personal financial statement
  • Last 2 years of federal tax returns on individual
  • Projections for at least two years – cash flow, balance sheet, and income statement

All Requests

  • If a corporation – articles of incorporation
  • If a partnership – partnership agreement
  • If a LLC – articles of organization
  • Use of proceeds

Resources

Before signing off on a loan with any financial institution, be sure to consult with your accountants, attorneys, and insurance agent as applicable.

Contact us to see how Hills Bank’s expert advisors can design a tailored loan solution that helps you meet your business goals. You can also give us a call at 1-800-445-5725 (1-800-HILLSBK).