Business

We understand how important your business is to you, so we strive to deliver exceptional service. We specialize in creative structuring and finding a solution to your needs. This sampling of loans and lines of credit gives a brief glimpse into the range of solutions we provide to meet the financing needs of businesses. But our local flexibility and responsiveness allows us to provide much more. Let us know your specific needs—from start-up to expansion. 
  • Working Capital Lines of Credit
  • Equipment Financing
  • Commercial Mortgages
  • Investment Property Mortgages
  • Business Acquisition Loans
Our commercial lenders are experienced and knowledgeable in structuring the funding for construction loans, equipment purchases, real estate loans and revolving lines of credit. To get started we have composed a list of information we will need to evaluate your specific needs.

Business Information
  • Business Financial Statements
  • Profit & Loss and Balance Sheet for the last 3 fiscal years
  • Profit & Loss and Balance Sheet YTD
  • Business Tax Returns for the last three years
  • Current listing of business debt obligations
Personal Information
  • Personal Tax Returns for the last 3 years
  • Personal Financial Statement
  • Current listing of personal debt obligations

The process can begin prior to receiving all of the information and may require more information to complete the requested loan. Most importantly contact one of our commercial lenders today to receive specific information in regards to your type of business and how The Harvard State Bank can help!

Tony Villarreal in Harvard (815) 943-4400

Cliff Kieser in Harvard (815) 943-4400

Joshua Brown in Harvard (815) 943-4400

Jeff Hatch in Rockford (815) 397-3111

Mary Manning in Hebron (815) 648-2481