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Capital when you need it. Answers before you'd expect them.

Growing a business takes money — and a lender who moves at your speed. We make lending decisions locally, so you get real answers fast.

At a bigger bank, your loan application goes into a queue. Then it goes to a review committee. Then it goes to someone who's never set foot in your town.

At Bank of Farmington, your loan officer sits down with you, learns your business, and makes the decision right here. Most decisions happen quickly — because the person making the call already understands your market and your situation.

Commercial Real Estate

Buying or building a location for your business? We finance commercial property purchases, construction, and improvements for businesses across central Illinois.

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Equipment & Machinery

New equipment means growth. We finance machinery, vehicles, tools, and equipment purchases with competitive rates and terms that match the useful life of what you're buying.

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Lines of Credit

Manage cash flow, cover seasonal gaps, or have capital ready when opportunity shows up. A business line of credit gives you flexible access to funds when you need them.

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Business Operating Loans

Inventory, payroll, working capital — sometimes you need a short-term loan to keep things moving. We'll structure something that fits your business cycle.

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SBA Loans

We're an SBA-approved lender. If your business qualifies for an SBA loan, we can walk you through the process and handle the paperwork.

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Why BoF for Business Lending

Fast Decisions

No waiting weeks for a committee in another city. We review your loan right here.

Local Knowledge

We know central Illinois — the market, the industries, the opportunities. We’ve been here over 120 years.

Flexible Terms

Every business is different. We'll structure a loan that works for yours.

FAQs

How do I apply for a business loan?

Call us or stop by any branch to set up a meeting with a business banker. We'll talk through what you need, what documents to bring, and what to expect. You can also start by calling 309-245-2441.

How fast can I get a decision on a business loan?

Because we make lending decisions locally, most decisions happen quickly. Complex loans may take a bit longer, but your banker will keep you updated throughout the process.

Let's talk about what you need.

Talk to a Business Banker