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Guaranty Bank & Trust
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Business Loans

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More Than A Lender — A Partner In Prosperity

There is such a thing as a windfall. But most growth doesn’t happen, much less sustain itself, unless you plan for it. That’s especially true in business. Expanding to a new location, investing in the equipment you need to keep pace with the competition, and getting your latest, biggest idea off the ground are all major undertakings. In all these cases, it helps to know you can rely on a lender who treats you like more than just another entry in a spreadsheet.

That level of personalized customer service is just one of the things that make Guaranty Bank & Trust different. We also offer a full array of financing and borrowing options for small businesses, mid-size companies, and large enterprises. That includes small business loans, lines of credit, commercial real estate loans, and SBA 7(a) and SBA 504 loans. No matter how your business defines success, our caring, collaborative banking experts are here to help you attain it.

   We offer:

  • Commercial Construction Loans
  • Commercial Real Estate Loans
  • Small Business Administration Loans 
  • Equipment Term Loans
  • Agriculture Loans
  • Business Lines of Credit
 
Guaranty Bank & Trust offers construction loans to provide the flexibility needed during the construction phase of your building project. Construction and permanent financing can often be obtained with a single approval and closing.
Make an appointment to meet with one of our lenders to start the process!
 
Guaranty Bank & Trust offers real estate term loans for the purpose of purchasing or refinancing eligible property types for owner-occupied properties including unimproved property, and selectively, for professional real estate investors exhibiting financial strength and liquidity.
 
Make an appointment to meet with one of our lenders to start the process!
The SBA is a federal agency dedicated to helping Americans start and grow their businesses by providing specialized loan programs. Guaranty Bank & Trust proudly offers several SBA loan options that give entrepreneurs advantages over traditional financing. Whether you need funds for property, construction, equipment upgrades, or other business needs, our knowledgeable and caring team is ready to help.
 
We Offer the following SBA Loans:
 
SBA 7(A) Loan:
This lending program is one of the primary ways the SBA financially supports America’s small businesses. 
7(A) Loan Highlights: 
    • Borrow between $50,000 and $5 million in working capital 
    • Terms can be as long as 25 years 
Projects And Uses: 
    • Real estate purchase or refinance 
    • New construction or facility improvements
    • Business acquisition or partner buyout 
    • Business start-up 
    • Franchise purchase 
    • Working Capital
    • Furniture, Fixtures or Equipment
 
SBA 504 Loan
This lending program helps small business owners secure long-term, fixed-rate financing to expand and modernize their operations. 
504 Loan Highlights: 
    • Borrow between $500,000 and $15 million 
    • Terms can be as long as 25 years 
Projects and Uses: 
    • Real estate purchase or refinance
    • New construction 
    • Equipment 
Guaranty Bank & Trust offers term loans with a variety of collateral options to companies or individuals that have demonstrated or projected cash flow to service the debt.
 
Make an appointment to meet with one of our lenders to start the process!
 
Lines of Credit
Guaranty Bank & Trust offers annual operating lines to finance your day-to-day cash flow needs through the agricultural production cycle for all types of farming and livestock operations.

Term Loan
Guaranty Bank & Trust offers term loans for the purchase of livestock and new or used machinery. Loans can be customized to aid your cash flow and working capital needs.

Agricultural Real Estate Term Loan
Guaranty Bank & Trust offers Agricultural Real Estate Loans to provide financing for agricultural property to meet individual needs such as land acquisition, refinance, or major capital improvements.
 
Make an appointment to meet with one of our lenders and start the loan process!
Guaranty Bank & Trust offers account and inventory financing to businesses. The primary source of repayment for this type of loan is the conversion of the accounts and/or inventory to cash.
 
Make an appointment to meet with one of our lenders to start the process!