Business Lending
Commercial & Agriculture Loans at Yampa Valley Bank
Yampa Valley Bank offers a wide range of commercial and agricultural loans designed to meet your specific needs. With flexible terms, fixed and variable rate options, and the expertise of our local team, we provide the financing you need with quick and efficient service. Our approach combines local knowledge, underwriting, and decision-making to effectively support your business or operation.
Commercial Loans
Commercial Term Loans
Short to medium-term installment or single-payment loans to aid with the funding of a business purchase or refinance, the purchase of equipment, inventory, vehicles, or other long-term working capital needs.
Commercial Mortgage Loans
Long-term financing to aid with the purchase or refinance of a commercial or investment property, including owner-occupied, speculative, or rental real estate. Bridge financing is also available for more short-term needs where funds may be needed to “bridge” between the sale and purchase of two properties.
Residential Rental Mortgage Loans
Finance the purchase or refinance of residential rental properties or tap into the equity in your rental property for cash or investment needs.
Commercial Land Loans
Loans for purchasing or refinancing land or acreage for future commercial construction or business use.
Commercial or Speculative Construction Loans
Finance the construction of properties to be occupied by your business or speculative, rental or hospitality-related properties. Our local draw process is quick and efficient, allowing two draws per month and generally less than a two-day turnaround.
Revolving Lines of Credit
Maintain smooth business operations with a line of credit for short-term financing needs, inventory purchases, and taking advantage of supplier terms.
Letters of Credit
Provide necessary surety to governmental agencies or private companies for utilities, permitting, or other services or contracts related to your business.
Government Loan or Guarantee Programs
Your purchase or refinance of a business, land, buildings or equipment may benefit from a special government loan program. Yampa Valley Bank can help you to navigate through the following potential:
Small Business Administration (SBA) Loans
YVB teams up with the SBA and its 7(a) Loan Program to provide funding for
business or capital purchases, or for long-term working capital needs. The SBA 504 Loan is an excellent option to assist with the purchase of owner-occupied commercial real estate with as little as a 10% investment into the purchase.
USDA & CHFA Programs
Financing options from the USDA and Colorado Housing and Finance Authority (CHFA) for rural businesses, including guarantees or other credit enhancements for commercial property acquisition, renovations, and equipment purchases.
Agriculture Loans
Livestock Loans
Purchase livestock or manage seasonal needs with tailored financing options.
Equipment Loans
Finance agricultural equipment, vehicles, and business or farm improvements.
Short-Term Operating Lines
Cover short-term financing needs during your operating cycle or until your receivables are collected.
Long-Term Fixed Rate Ranch Real Estate Loans
Flexible loan terms for purchasing or refinancing ranch property.
External Loan or Guarantee Programs For Agriculture
USDA Farm Service Agency (FSA) Guarantees
FSA guarantees or credit enhancements may be sought by YVB to assist with the borrowing needs of our Agricultural customers.
Agri-Access® Agricultural Loan Program
Partnering with Agri-Access, YVB offers long-term, fixed-rate loans for the purchase or refinance of farm and ranch properties.
