Short-Term And Long-Term Loans For Businesses Wisconsin Rapids WI

Looking for Short-Term And Long-Term Loans For Businesses in Wisconsin Rapids? We have compiled a list of businesses and services around Wisconsin Rapids that should help you with your search. We hope this page helps you find Short-Term And Long-Term Loans For Businesses in Wisconsin Rapids.

Associated Bank - Wisconsin Rapids Branch
(800) 236-8866
711 Grand Avenue
Wisconsin Rapids, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Surcharge fee: No-fee withdrawals from ATMs in the MoneyPass and Star SF Networks.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - Wisconsin Rapids Branch
(800) 872-2657
311 West Grand Avenue
Wisconsin Rapids, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Harris Bank - Wisc Rapids Branch
(800) 546-6101
1100 8th St. South
Wisconsin Rapids, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. This fee can be waived if you are a student. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Harris Bank for details.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

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Harris Bank - Crossroads Commons Branch
(800) 546-6101
1200 Commerce Place
Plover, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. This fee can be waived if you are a student. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Harris Bank for details.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided By:
Associated Bank - Plover Branch
(800) 236-8866
2727 Post Road
Plover, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Surcharge fee: No-fee withdrawals from ATMs in the MoneyPass and Star SF Networks.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Associated Bank - Wisconsin Rapids Copps Branch
(800) 236-8866
900a East Riverview Expressway
Wisconsin Rapids, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Surcharge fee: No-fee withdrawals from ATMs in the MoneyPass and Star SF Networks.
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Wisconsin Rapids 8th Street Branch
(800) 872-2657
3520 8th Street South
Wisconsin Rapids, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Wisconsin Rapids Adams Branch
(800) 872-2657
1146 County Trunk D
Nekoosa, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
Harris Bank - Plover Branch
(800) 546-6101
2851 Post Road
Plover, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM after 2 uses per month. This fee can be waived if you are a student. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
ATM Fee Rebate Noe: Some accounts provide rebates of ATM Surcharge Fees. Contact Harris Bank for details.
Services
Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Unlimited Checks

Data Provided By:
U.S. Bank - Junction City Branch
(800) 872-2657
972 Main Street
Junction City, WI
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Short-Term And Long-Term Loans For Businesses

Business loans are generally divided into two categories. Loans of less than three years are typically considered short-term while loans greater than three years are fall into the long-term category. Long-term loans are normally for a period of 10 years although some may be approved for up to 20 years.

Short-term loans can be for periods as short as 90 days. The strength of a business in terms of their balance sheet, financial statement, credit history and time in business as well as the relationship with the lending institution all enter into the loan approval decision process. Loans of less than one year to proven customers are often approved without collateral and are referred to as unsecured loans. Loans in the one to three year category most often require collateral and the assets of a business such equipment, buildings or real estate can easily provide the necessary collateral, provided that there is sufficient worth in the assets. The lending institution will obviously want to assess the value of the collateral and will monitor the loan to insure that the collateral retains its' worth over the period of the loan. These types of loans are called secured loans because the collateral that guarantees repayment could be forfeited if the loan falls into default. An alternative to an unsecured short-term note would be for a business to negotiate an approved line of credit that could be used as necessary throughout a year. This can be negotiated in advance of any requirement for a short-term loan and is available should the need arise. Short-term loans are commonly used to cover cash flow shortfalls or the enable the purchase of additional inventory.

Long-term loans of greater than three years require a more detailed analysis by the lending institution. As with short-term loans the same criteria of a good credit history coupled with a successful business balance sheet and financial statement will make the approval process quicker and easier. A long-term loan will be a secured loan, and sufficient collateral must exist and will definitely be the basis for approval. Long-term loans are appropriate for large acquisitions or purchases of equipment that has an extended life.

Interest on short and long-term loans vary widely. Typically the interest rate will be 1-3% above the prime lending rate and it is obvious that the shorter the period of the loan the less the interest expense will be. Additionally the value of any col...

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