Products & Services

Loan Products

Commercial Loans

Financing alternatives for business activities is one of the most important tools available to any entrepreneur. These loans are sometimes called business & industry loans, commercial loans, working capital loans, or small business loans. The lending staff at Garden City State Bank prides itself on knowing how to structure a credit facility that properly fits our borrower's needs. We work hard to provide a professional and practical approach to the financing needs of our clients. Our experience in small business lending and willingness to work with our customers sets us apart from our competitors.

If you do not find your financing needs in the list below, please feel free to contact us. We would be pleased to discuss your financing needs in more detail.

  • Operating Lines of Credit (Revolving lines of Credit)
  • Machinery & Equipment Loans
  • Semi Truck & Trailer Loans
  • Commercial Vehicle Loans
  • Commercial Real Estate
  • SBA/USDA/Government Guaranteed Loans
  • Merchant Cash Advance Lending (CapVance)
  • Business Consolidation/Debt Restructure Loans
  • Letters of Credit (Standby or Commercial)
  • Special Purpose Loans/Short Term Notes

Agricultural Lending

Garden City State Bank understands how important agri-business is to Finney County and Western Kansas. Agriculture is the primary economic force driving our community and we recognize the need to provide our agribusiness customers with the financing they need to prosper. Our loan staff is experienced in ag lending and offers its expertise to producers and stockmen.

  • Farm Operating Loans
  • Farm Real Estate Loans
  • Equipment Loans
  • Livestock and Feeder Loans
  • USDA/Government Guaranteed Loans
  • Debt Restructuring Loans

Consumer Loans

Garden City State Bank offers all types of loans to consumers. Below is a list of the more popular types of consumer loans that our customers request. We offer a quick response time for all applications and flexible terms to meet the fixed income budget.

  • Vehicle Loans (Cars, trucks, motorcycles, motor homes, etc.)
  • Home Equity Credit Lines
  • Mobile Home Loans (new or used)
  • Ready Reserves (Pre-approved Overdraft Protection)
  • Home Improvement Loans
  • Debt Consolidation

Real Estate Loans

Obtaining financing on one to four family housing can be tricky without professional assistance. Our mortgage lending staff specializes in personalizing your experience with a quick response and professional attention throughout the transaction. We have a well earned reputation for being "customer friendly" and easy to work with. If you have questions or would like to obtain our daily rates, contact Lisa Ratzlaff, Vice President or email

  • New Home Purchases
  • First Time Homebuyer Loans
  • Residental Construction Loans
  • FHA/VA Home Loans
  • Fixed or Variable Rate Loans
  • Refinancing of Existing Residence

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