Our team has spent years working with local business owners and we understand that not all loan packages work for all companies. That’s why we offer a variety of lending products that will give your business the best chance for success.

Business Term Loans

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  • Competitive rates for a wide range of business purposes
  • Flexible lending packages tailored to your business needs
  • Local decision-making and processing

Business Lines of Credit

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  • Provides your business with financial flexibility
  • Repayment terms customized to fit around the unique needs of your business
  • Revolving credit – as the loan principal payments are made, funds become available for use up to your credit limit

Small Business Administration (SBA) Loans

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  • Available for start-up businesses, the purchase of a new business, or expansion of an existing business
  • Flexible terms and competitive rates
  • SBA 504 and 7a programs available
  • Town and Country Bank is a “preferred” SBA lender. For eligibility requirements, refer to the SBA website for additional details or contact our SBA lender, Charlie White at 217-321-3410.

Commercial Real Estate Loans

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  • Competitive rates for the purchase, construction or refinance of commercial properties
  • Available for owner occupied or investment properties
  • Flexible repayment terms
  • Local decision making and processing

Public Finance

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  • Public finance package that includes public fund deposit offerings and treasury management solutions
  • Public Finance experts who have built relationships with local engineers, attorneys, bond counsel, and municipal vendors
  • Available for small project needs, buildings, and more