Small business owner working on his ipad

Business Loans

Steve and Drew talking on the farm
Your Business Is Our Business.

From family farms to franchises, we love seeing a new business plan come to life. It’s even better when we get to play a part in business owners' dreams—we get to serve you and watch all your hard work pay off. When you’re ready to take your business to the next level, we’ll be with you every step of the way.

Big dreams for your small business?  

You’ve come to the right place. Our excellent loan process makes OakStar Bank a Preferred SBA Lender, and we’ve been granted the highest level of independence the SBA offers. What does that mean for you? It’s simple: your loan requests don’t get shipped off to a remote SBA office for approval. We call our own shots—and that makes the loan process quicker and easier for you.

  • Startup business 
  • Business acquisition 
  • Real Estate 
  • Furniture and fixtures 
  • Machinery and equipment 
  • Working capital 
  • Refinance existing debt (in some cases). *Contact your lender for more information.
  • Lower payments 
  • Less restrictive collateral requirements 
  • No balloon payments 
  • Longer repayment terms 
  • Lower equity requirements 
Don at the farmNo one understands the needs of a farmer like a farmer.
Our Ag lenders are also farmers—they know what it’s like to get mud on their boots. No matter what size or type of operation you have, we have the insight and expertise to help you succeed.

What We Offer: 
  • Operating Line of Credit 
  • Equipment Financing 
  • Livestock financing 
  • Real Estate Loans 
Ag Loan Uses:  
  • Purchase or refinance 
  • Tractors (new and used) 
  • Implements (new and used) 
  • Beef and Dairy Cattle 
  • Farmland 
  • Ag facilities Operating Lines of Credit 

Don Koenig, Hermitage Market President
Whatever your needs, OakStar’s team of Commercial Real Estate lenders are equipped to handle them.

Investment loans. Owner occupied loans. Land development loans. Let our team and tools help move your business forward.

If you need to buy a building, refinance an existing office location, or even build from the ground up, we offer business mortgage loans at competitive interest rates. Need a quick turnaround on your loan? We don’t ship off your requests for approval—all our decisions are made locally. And that’s the way it should be.

Business needs don’t stop at four walls and a roof.

That's why we offer equipment loans, working capital lines of credit, and business credit cards. Whatever you need to keep your business thriving, we have a solution to fit.   

Woman handing customer a coffee at the coffee shop

Merchant services

Simple, flexible, unparalleled. We've got your business covered. 

From point-of-sale to the books, we take care of the details so you can get back to work with ease, clarity, and peace of mind.