Business and Agriculture Loans


Business Loans

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Business today demands quick, on-target decisions. You have to make them everyday, and you should expect no less from your bank.

We are here to be your financial arm, to provide the assistance you need to prosper. Retailers, manufacturers, wholesalers, service firms, and professionals all turn to Central Bank and Trust Co. We are very proud of our wide spectrum of customers.

Whether you need a large financing package to buy an entire company, or a loan for working capital, inventory purchases, or business expansion, you can depend on the commercial loan officers at Central Bank and Trust Co. to work with you.  For more information, email us.

Small Business Administration Loans

You have undoubtedly heard stories about all the documentation required. But with our experience and expertise, you will find the process is smooth and relatively hassle-free for you. We can structure short-term revolving lines of credit or term financing for capital expenditures.

The bottom line is... when it comes to anything that has anything to do with financing your business, come to Central Bank and Trust Co.  For more information, email us.

Agriculture Loans

There is more to farming than driving a tractor, and there is more to ag banking than just making loans. The ag specialists at Central Bank and Trust Co. understand the challenges of farm and ranch management. Many of our lenders have agricultural backgrounds and have experienced the rigors of meeting short-term needs while planning for long-term goals.

Through the good times and the tough years, Central Bank and Trust Co. has been helping farmers since 1915. Agriculture is too significant, and too complex, to be served by anyone but the most dedicated, most seasoned professionals. We have proven our value to farmers, ranchers, dairymen, and other ag-oriented businesses through the years.

Now let us demonstrate for you how our expertise, insight, and flexibility can serve your best interests. For more information, email us.


Personal Loans

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Installment Loans

Home improvements, a new car, a vacation, or at least a camper for weekend get-aways -- we each have our wants and needs.

We certainly understand that. Maybe that is why Central Bank and Trust Co's personal loan customers appreciate our cooperative, helpful approach. We know that every loan, just like every person, is different. We work diligently to tailor an installment loan to fit your particular situation.

Come in soon and visit with a Central Bank and Trust Co. loan officer. If you are still in the shopping stage, we can go ahead and get you pre-approved. Then you will know the financing is in place when you are ready. If you have already made a buying decision, we will get you an answer on a loan quickly. We look forward to helping you get what you want!  For more information, email us.

Real Estate Loans

Buying or building a home is a major investment. Just as you look for the home that is right for you, you need to be sure of having the financing that is right for you, too. The Mortgage Specialists at Central Bank and Trust Co. are just the people you need working with you along the way.

Because there are so many factors; fixed or adjustable rates, length of the mortgage, and other issues, we take the time to discuss your needs and goals. We answer any questions you have, and we do it in plain, straight-forward words; not lingo that adds to the confusion.

Then we work with you to structure a home loan that will best suit you. Even if you are still just looking around, you might want to come in and visit with us about your financing options. We will be glad to go ahead and pre-qualify you for a loan.  By doing this you will know the money will be available when you are, what your interest rate is, and the amount of your monthly payments.