Whether you need a Commercial Real Estate or an Agriculture Loans Our loans are both flexible and priced right! We will explore all the funding opportunities available to help you select the best solutions for your business needs. We are the ideal loan source for purchase money or refinancing. We have experience with SBA and other agencies to help you take advantage of the best programs available. We offer long term fixed rate farm real estate loans through Farmer Mac.
Commercial and Equipment Loans
Are you expanding or do you need to update your equipment? Let us put together a loan package that will help your business flourish and meet your changing needs.
Commercial & Farm Lines of Credit
- Operating – An Operating Line of Credit is designed to give your business the greatest flexibility when it comes to cash flow. It is set up for a period of one year, and requires interest or principal repayment at the business’ discretion.
- Borrowing Base – A Borrowing Based Line of Credit takes the Operating Line of Credit one step further. Principal advances are tied to an asset or assets of the business. This allows for a shortened cash cycle and great control of cash flow.
- Seasonal – A Seasonal Line of Credit can be customized to match the seasonal demands and changes of your business.
- John Zimmer
President/CEO
NMLS ID# 522338
HNB North, Hannibal
573-629-3825 jzimmer@hnbbanks.com - Jim Millan
Executive VP/Chief Lending Officer
NMLS ID# 522330
HNB Main, Hannibal
573-629-3804jmillan@hnbbanks.com - Nick Phillips
AVP/Loan Officer
NMLS ID# 1091024
HNB Shinn Lane, Hannibal
573-629-3862 nphillips@hnbbanks.com - Kenneth Shaver
VP/Branch Manager
NMLS ID# 522333
HNB Monroe City
573-735-2265kshaver@hnbbanks.com - Jeff Albus
SVP/Branch Manager
NMLS ID# 522319
HNB Perry
573-565-2221jalbus@hnbbanks.com - Jill Palmer
AVP/Loan Officer
NMLS ID# 1099657
HNB Perry
573-565-2221jpalmer@hnbbanks.com - Jacob Evans
VP Loan Officer
NMLS ID# 338592
HNB Wentzville
636-332-4462jevans@hnbbanks.com - Michael Holden
VP/Branch Manager
NMLS ID# 1490921
HNB St Joseph
816-279-5900mholden@hnbbanks.com -
Cindy Wilson
VP/Loan Officer
NMLS ID# 641386
HNB Savannah
816-324-4400cwilson@hnbbanks.com - Joel Swisher
VP/Branch Manager
NMLS ID# 972773
HNB Palmyra
573-769-2800jswisher@hnbbanks.com - Rick Brandt
AVP/Loan Officer
NMLS ID# 1369834
HNB Monroe City
573-735-2265rbrandt@hnbbanks.com - Curtis Luke
VP/Branch Manager
NMLS ID# 1543308
HNB Stanberry
660-783-2820cluke@hnbbanks.com - Rick VanHorn
VP/Loan Officer
NMLS ID# 1456498
HNB Bowling Green
573-324-6100rvanhorn@hnbbanks.com - Jackson Jones
Senior VP & Branch Manager
NMLS ID# 413047
HNB Louisiana
573-754-6221 - Dane Omohundro
VP/Loan Officer
NMLS ID# 421599
HNB Louisiana
573-754-6221