Commercial Loans - 2025

Fuel your business growth with flexible financing

Locally owned businesses are the heart and soul of a community, and USLA is here to help. We offer competitive rates with flexible structuring and repayment schedules.

Commercial Real Estate

Whether you’re looking to expand your business, purchase a new location, or refinance an existing property, we have a variety of fixed-rate and variable-rate loans with flexible repayment schedules, to meet your needs.

Business Loans

Explore flexible funding options to boost your working capital, invest in new equipment or inventory, and upgrade your technology. Whether you're expanding or streamlining operations we’re here to help your business grow!

Farm Loans

we understand that agriculture is the backbone of our local economy, as well as a vital part of our traditions and culture. That’s why we offer land loans, machinery loans, and operating lines of credit tailored to the needs of farmers and agribusinesses.

Equipment Loans

From heavy-duty machinery to everyday tools, we offer financing solutions to help your business get the equipment it needs. Whether you're upgrading, replacing, or expanding your operations, we’re here to make the process simple and affordable.

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Your loan is tailored to U.

We approve loans right here, locally, so you’re never just a number.
We take care of your loan every step of the way.
Got questions? Come in and chat with your loan officer face-to-face.
We’ve got your back! If we think a loan isn’t right for you, we’ll let you know.

Frequently asked questions

What skills are most important for working in banking?

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Is prior banking experience neccesary?

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What is work culture like at USLA?

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What credit score do I need to apply?

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Do I need to make a down payment?

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What documents do I need to apply?

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How do I open a checking account?

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How do I set up direct deposit?

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How can I monitor account activity?

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How can I tell if a call, email, or text from my bank is legitimate?

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How can I report a scam attempt to USLA?

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How often should I check my bank statements for fraud?

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How do I open a savings account?

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Are there any limits on how many withdrawls I can make?

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Is my savings account insured?

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Will switching banks affect my credit score?

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Can I keep my old bank account open while I transition?

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How long does it take to fully switch to a new bank?

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What is the difference between a will and a trust?

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Can I revoke a trust after it is created?

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Can a trust help with charitable giving?

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How can I make changes to my account?

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How do I set up my POS terminal?

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How do I review a recent transation?

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How often to savings account interest rates change?

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What happens if I withdraw money from my CD early?

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Are interest rates for home loans fixed, or variable?

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What qualifications do I need for a commercial loan?

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Can startups or new businesses qualify for a loan?

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How long does it take to get approved?

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What are the requirements to open a business checking account?

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How is a business checking account different from a personal account?

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Can I open multiple business checking accounts?

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How is interest calculated on a CD?

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Can I add money to my CD after opening it?

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What are the benefits of an IRA over other retirement savings options?

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How long does the estate administration process take?

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What happens if someone passes away without a will?

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How are estate taxes and debts handled?

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How do you determine the best investment strategy for me?

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What types of assets will be included in my portfolio?

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How often do you review and adjust my investments?

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USLA took a chance on my business when I first started, when no other bank would give me a loan — they’re now part of my family!

Paul Martin, G&M Contracting

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Paul-Martin

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