Business & Ag Lending
Capital for ranches, shops, and everything between
Equipment, commercial real estate, and seasonal operating lines, all decided by lenders who understand the Hill Country economy.
Agriculture
Operating lines, livestock, and equipment loans.
Commercial real estate
Buy or refinance owner-occupied property.
Equipment
Finance trucks, tractors, and machinery.
Lines of credit
Smooth out seasonal cash flow.
Rates as of September 28, 2026
Business lending rates
| Product | Term | Rate | APR | Notes |
|---|---|---|---|---|
| Equipment Loan | Up to 84 months | 7.75% | 7.90% | Fixed |
| Commercial Real Estate | Up to 240 months | 7.25% | 7.41% | Fixed |
| Ag Operating Line | 12 months | 8.50% | 8.50% | Variable |
Rates shown are illustrative figures for a fictional bank and are not offers of credit or deposit products.
How it works
Three simple steps
- 01
Share your plan
Tell us what you need and why.
- 02
Underwriting
Our lenders review financials locally.
- 03
Funding
Close and fund on your schedule.
Questions
Frequently asked
Can't find your answer? Our Menard team is happy to help.
Do you lend to new businesses?+
A real lender would describe its requirements here. This fictional bank shows the typical process only.
Ready to bank with neighbors?
Open demo checking and savings in about five minutes. No real money required.