Commercial Lending

LCFB offers a variety of business loan products.
Please contact us for more details.


At LCFB, we understand that starting a new business or expanding a current business is an exciting opportunity. Let us lend a hand so you can get your new business up and running. Whether you are financing day-to-day operations, equipment or long-term expenditures, we can help.

  • New Business Purchase Loans
  • Business Expansion/Refinance Loans
  • Construction and Land Development
  • New and Used Equipment Loans
  • Line of Credit

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Real Estate

When it comes to real estate, local expertise matters. Our commercial lenders grew up in SE Minnesota. We are proud to offer personal service with a hometown touch.

Commercial real estate financing provides a mortgage loan for income-generating (commercial) property. Developers, small business owners and other investors can use a commercial property loan to purchase office space, apartment buildings, retail space, hotels and more. You can rent out the commercial space or use it for your own business.

Throughout our long history in Lake City, LCFB has helped many customers over the years. Our friendly team of lenders will help you every step of the way.

Agriculture Loans

LCFB is proud to partner with farmers and business owners with farming operations and ag-related businesses. Begin a conversation with an experienced ag lender

  • Agricultural Loans provide financing for your farming operation, equipment, capital improvements and more
  • Agricultural Real Estate Loans can be used to acquire farmland, refinance debt, or improve your current property

Lines of Credit are flexible sources of funds to help you manage your day-to-day financial needs like crop inputs, land rental, livestock or working capital.

Overdraft Protection

At Lake City Federal Bank, we understand that financial shortfalls happen from time to time and we want to give you options to use your account responsibly without overdrawing it. We offer Overdraft Protection to cover checking account transactions, up to an approved limit.

  • No annual fee
  • Available to qualified applicants
  • Funds from this revolving line of credit will transfer in increments of $100

Monthly payment amount is determined by the outstanding line of credit balance.

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Let us help you with your new construction! 

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