Commercial
Loans
Real Estate Loans
Agricultural Loans
Rayne State Bank can offer you a wide range of
Business or Commercial Loans to fit all of your needs, including
Small Business Administration (SBA) and USDA Business and Industry
loans. Listed below are typical commercial loans available to you:
| Accounts Receivable |
Real Estate |
| Equipment |
Vehicle |
| Inventory |
Working Capital |
It's a small world that's made even smaller through
technology, and we have everything your business needs to keep growing.
So call us today at 337.334.3191, 337.235.2062 or toll free 888.625.3660
or email us at Customer
Services for someone to contact you.
Commercial Loan
Term loans tailored to fit your commercial needs. Business loans
for owner/occupied real estate term loans; working capital; SBA
loans equipment and vehicle loans, etc.
Real Estate Loan
We offer many terms for the purchase or refinancing of your office
building, plant or facility. We are able to offer flexible terms
and rates to suit your business plan. We can help you preserve your
capital by utilizing the SBA loan program
to finance a portion of the loan at low market rates.
Agricultural Loan
Rayne State Bank and Trust Co. was a pioneer in USDA
and FSA Guaranty lending to farmers. Although
we always made loans to local farmers, we were not able to expand
into other markets, until we became an Approved Lender and eventually
a Certified Lender. Our loan program is
one of the strongest in Louisiana. We are committed and can personally
assist you with any question about your loan. You'll never have
to speak to a computer, unless you want to, and we'll return your
call on the same day it is made. Your loan approval is faster when
you bank with us!
It's faster because we believe that banking should be a breeze...not
a bother. We give courteous and expedient service to everyone, not
just a select few. And, getting to know our customers is a way of
life at our bank; this is why our motto is "Banking,
Pure and Simple". After all, we've been banking for
over a half a century, we know what it takes to get the job
done.
So whether you need a loan for your crops, equipment or land, give
us a call, we'll exceed your expectations.
What will I need to apply
for a loan with Rayne State Bank?
Whether you're applying for a guaranteed loan or not, we request
a five year history of your crop yields, when applicable, and also
a copy of your tax returns for the last five years. If your spouse
is employed we will need verification of their employment and any
other income you earn.
What if I am just starting
out, can you help me out?
Of course, whenever we can, we do our best to assist our new farmers
in getting established. You will probably apply for a guaranteed
loan, which will be secured by your crops, any equipment you have,
and FSA Guaranteed. To help you get an idea of what to earn in the
first years, we take parish averages of the crop yields. We also
ask for letters of recommendation from other farms or farmers you
have worked on or for. If you need an equipment loan, we do our
best to help you with that also.
To find out more about us or for more information about applying
for an agricultural loan call 337.334.3191 or toll free at 8883625.3660.
You may also contact
us to setup an appointment or request information.
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