You know what your company needs to succeed. We are here to help make it happen. We offer flexible terms to fit your short-term or long-term outlook.

Commercial Lines of Credit

With our Commercial Line of Credit, you can handle your business in your time, not ours. There is no need to re-apply to access your funding. This allows you to spring into action as the opportunity arises, while still retaining working capital. Write a check from your line of credit for fast, easy access to your funds. Plus, you're only paying interest on the funds you use!

Commercial Loans

With flexible terms, fast decision process, and great rates, we are sure to meet your business needs with a Commercial Loan from Valley State Bank.​

Agriculture Loans

You may be the owner of a small operation or have thousands of acres. Whatever your situation is, we have an Agriculture Loan for all of your farming needs including Livestock Loans, Crop Production Loans, Equipment Loans, Agriculture Real Estate Loans, and Poultry Farm Loans. We also offer Commercial Real Estate Loans for almost all types of agriculture or agri-business purpose

How to Apply

If you’re in the market for a loan, we encourage you to give us a call at 256-332-3600 or stop by the bank to meet with our lending team.

** NOTE: All loans and lines of credit are subject to credit approval. **
Farmer spraying soybean crops
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