Commercial LENDING

Today’s business market is constantly changing. The Bank of Kremlin can help you prepare for unexpected expenses and plan for future opportunities from the day to day challenges of owning and operating your own business. We provide you a variety of flexible lending options that will help you meet your goals and take advantage of all business opportunities.

The Bank of Kremlin has the capability to handle sophisticated commercial credit. More importantly, our lenders have the knowledge and authority to manage credit needs as they arise.

Special programs for Commercial Lending:

Guaranteed Small Business (SBA)
The Bank of Kremlin works with SBA to make numerous types of loans. These loans can help purchase inventory, equipment, land and provide working capital.

Business Link Deposit Program
The Business Link Deposit Program was created by The State of Oklahoma to assist small business. This program offers a lower interest rate in return for job creation. The amount the applicant qualifies for depends on the number of jobs created.
For more information on these programs call us at (580) 874-2244.

Agricultural Lending

At The Bank of Kremlin, we take pride in knowing and understanding agriculture.    We have been financing agriculture in Oklahoma for over 110 years and have a full staff of   professionals whose roots run deep in the agricultural community. The Bank of Kremlin is committed to agriculture and has a full range of loan products as well as competitive rates and terms to fit all operations.  Independent ownership of our institution provides the stability needed to make us a dependable source of credit during good times and bad.  And, our experienced team offers your farm, ranch or agribusiness a dedicated and unique perspective that you simply won’t find with large national or regional banks or other financial providers. 

Livestock and Crop Production
We provide loans for the purchase of livestock and production of crops incorporating cow/calf producers, feedlots, stocker loans and row crow production. Financing your operation with The Bank of Kremlin has the following advantages:

  • Experienced lending staff that is knowledgeable in the agricultural sector
  • Pre-approved revolving lines of credit that let you make the decision of when to buy and sell
  • Affordable rates, due to our low overhead and rural locations
  • We understand price protection and the need to limit risk.

Machinery & Equipment
These types of loans can have a maturity of up to seven years to update or replace equipment.

  • Loans can be set up on a monthly, quarterly, semi-annual or annual basis to meet your cash flow needs.
  • Knowledgeable staff in the equipment lending business
  • Competitive interest rates

Agricultural Real Estate
We also offer agricultural real estate loans with monthly, quarterly, semi-annual or annual payment schedule available. 

Guaranteed Loan Program
The Bank of Kremlin is one of the largest Farm Service Agency guaranteed lenders in the state and has achieved top status in the U.S. of “preferred lender.” This designation is only awarded to lenders that have extensive experience in agriculture lending and have performed at a certain level of excellence.

Agricultural Link Deposit Program
The Agricultural Link Program was created by The State of Oklahoma to assist at-risk farm & ranch operations. The assistance comes in the form of reduced interest rates to qualifying applicants through The Bank of Kremlin.
These low interest programs can save you thousands of dollars off your annual interest payments.

Beginning Farmer Loans
This program is made available in conjunction with The Oklahoma Development Finance Authority. It provides credit for term debts using below market interest rates to help a first-time farmer build wealth in his operation.

Special Agriculture Loan Programs
The Bank of Kremlin recognizes the unique needs of the agricultural customer and tries to participate in any special program that will benefit the farmer & rancher.

Give us a call at: (580) 874-2244 for all your agriculture loan needs.

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