A Business Loan Should Be Painless

Let's help you finance your dream



Feel free to call (937) 498-1195

Compass and Triangle MF

Equipment Loans

Finance the equipment your business needs.

Revolving Money MF

Operating Lines of Credit

Avoid cash flow issues and get through tough times with an operating line of credit.

Store MF

SBA Loans

Small Business Administration loans help strengthen loans that may not qualify under traditional bank financing. 

Hand and Key MF

Business Purchase Loan

Get the best terms available in a loan structured to match your cash flow.

Stacked Coins

Working Capital Loans

Get through your cash conversion cycle with a line of credit or permanent working capital options.

Farm Tractor MF

Agricultural Loans

Loans to cover your ag needs - from crops to equipment and more.

Buildings MF

Commercial Real Estate

Finance the purchase or construction of your new building. 

Partner MF

Partner Buy-In Loans

Finance a partner buy-in such as a new physician to your practice.

Are you ready to take the next step in your business plan?


Your Lending Team

We can help you get your business what it needs!

Eric Noble

Vice President
Small Business Lending

John Wale

Vice President
Commercial Lending

Reggie Pace

Vice President
Commercial Lending

John Evans

Vice President
Commercial Lending

“I thoroughly enjoy being a lending officer here at Mutual Federal.  We are large enough to provide financial products at competitive prices yet small enough to know our customers on a personal level.  We are local individuals making local decisions for those living in our surrounding areas.  Mutual Federal has experienced lenders who care and want to assist you with all of your financial needs.  Whether it is personal or business, we have a wide range of lending products to meet your needs.”

-Eric Noble, Asst. VP - Retail Banking Officer

Frequently Asked Questions

How long does the loan process take?

The commercial loan process timeline depends on the type of business loan that you apply for.

Examples include:

  • Commercial Line of Credit: 30 days
  • Commercial Real Estate Loan: 30-45 days
  • SBA Loans: 30-60 days

In some cases, we can do some loans as quickly as a couple of days. 

What information do you need to apply?

To make it simple, we have created a loan checklist for you to follow. If you have any questions, feel free to give us a call. 

Documents required for initial credit decision:

All loan requests:

  • Driver's License (or government issued photo ID)
  • Business federal tax return for the last three years, including all schedules. (If current year returns have not been filed, provide a copy of your extension)
  • Schedule K-1
  • Fiscal year-to-date financial statement
  • Personal federal tax return for the last three years for any owner with greater than 20% ownership in the company, including all schedules
  • Personal financial statement (less than 6 months old)
  • Debt schedule outlining all monthly payments

Investor loans (collateral property <51% owner-occupied)

  • Current rent roll
  • Lease agreement(s)
  • Letters of intent

Purchase loans

  • Purchase agreement
  • Purchase orders or invoices

Final documents required for processing loan documents

  • Organizational documents (Articles of Incorporation/Organization, Secretary of State, Operating Agreement, etc.)
  • Resumes or Bios of key management

What type of down payment is required for a commercial real estate loan?

Generally, you will need to have 20% down for bank financing with Mutual Federal.