Financing Opportunities

We are here to turn your goals into reality with flexible, affordable loans and financing options tailored to your needs. Whether you are growing a business, or planning for the future, our personalized solutions and competitive rates make it easier to move forward with confidence.

Consumer and Business Loans

Lending Options Customized for You

At Legacy Bank & Trust, we’re committed to helping you achieve your financial dreams with a wide range of lending options designed to fit your unique needs. Whether you are looking to expand your business, or cover personal expenses, our competitive rates, flexible terms, and personalized support make it easier to take the next step. With fast approvals and transparent terms, Legacy Bank & Trust is your trusted partner in turning possibilities into realities.

Agriculture

Agriculture Loans

We operate in communities in which agriculture is more than just a profession—it is a way of life. We have the privilege of offering our agriculture customers a wide range of financing options, from livestock financing to farm real estate loans, that help keep every aspect of your operations up and running. No matter what your needs are, we will help you carefully assess your financial needs and develop the right plan to support your new venture.

Find out which loan type is right for you, then reach out to us to apply.

Aviation

Leader in Aviation Financing

Our in-house pilot and business lender has over 25 years of experience in the industry in order to provide aircraft evaluations and flexible financing solutions for turboprops and jets up to 5 years of age. We have streamlined our aircraft financing and application process for efficiency, as it’s designed for personal and corporate aircraft owners nationwide. Reach out to begin the process tailored to you and your aviation needs.

Commercial

Financing for Business and Commercial

Commercial Real Estate

Variable fixed rates based on credit quality of borrower and collateral
Up to 85% financing available
Amortizations up to 25 years
Construction loans available with Interest only payments during draw periods
In house construction disbursing team

Equipment Financing

Options to finance the equipment you need to run your small business.
Amortization terms of 5 or 7 years.
Offer financing for heavy industrial equipment, office equipment, commercial vehicles and more.

Business Lines of Credit

Quick access to working capital for your business
12-month revolving period
Variable interest rates based on credit quality
Flexibility in collateral options

Consumer Loans

Turn Dreams Into Realities

Mortgage and Home Loans

Because your home is everything to you, our mortgage options are customized for you by our dedicated loan officers to ensure your road to homeownership is as smooth as possible. Not sure which option is best? Get in touch through our contact form or by calling your preferred branch.

Home Equity Loans

When opportunity knocks, taking advantage of lower interest rates through our home equity loans or lines of credit can turn those opportunities into realities. To find out which one makes the most sense for your needs, get in touch with one of our loan officers through our contact form or by calling your preferred branch.

Guaranteed Lending

SBA, USDA, FSA Loans

7 (A) Loans

Benefits over Conventional Financing
Longer Maturities
Lower Required Equity

Eligible Projects

Business Acquisition
Fixed Asset Purchase
Working Capital
Refinance
SBA Express RLOC

SBA 504 Loans

Benefits over conventional financing
Longer Maturities
Longer Term Fixed Rate on SBA portion
Possible Lower Equity Injection

Eligible Projects

Fixed Asset Purchases
Refinance

Loan Calculators

Use these loan calculators to find out how much you can afford to borrow, what your estimated monthly payment might be, and what your monthly mortgage payment might be.

How much can I borrow?

Use this calculator to find out how much you can afford to borrow.

Payment ($):
Number Of Years:
Number of Periods per Year:
Annual Interest Rate (%):


Principal ($):

What's My Estimated Monthly Payment?

Use this calculator to determine monthly payment.

Number of Periods per Year:
Total Years:
Annual Interest Rate (%):
Principal ($):


Payment ($):

Home Mortgage Calculator

Enter number of years, interest rate and loan amount. IMPORTANT: If no taxes and/or insurance are used, zero MUST be entered. DO NOT use commas(,) or periods (.) in loan amount, taxes or insurance.

Years:

Interest:

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principal + Interest:
Monthly Tax:
Monthly Insurance:
Total Payment:

Questions? Contact Us Today

Legacy Bank and Trust is here to serve all your financial needs. If you have any questions about our services, please feel free to give us a call.