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Local Customized Commercial Loan Programs

Home Federal Bank provides a variety of commercial loan programs to meet the individual requirements of your
business. Our commercial specialists have the local experience and the expertise to help your business grow.

Biz Check Credit

Every individual and business alike knows that times can get tight. If they do, you should feel you have the freedom
to run your business as usual. When your business is faced with unexpected expenses feel secure knowing that Biz Check
Credit is your overdraft protection. Home Federal’s Biz Check Credit is easy and convenient as it helps ease your
business of worry about late payments or running to the bank. It’s also an ensured way for your business to feel secure
knowing you have a safety net in place to use and reuse whenever you need.

Stop paying overdraft fees on every single item. It’s time to keep money in your pocket with Biz Check Credit.

Features of Biz Check Credit:
- Linked to a business checking account
- Specific credit limit
- Fixed interest rate
- No prepayment penalty
- Automatic Loan Payments

Biz Mobile/Biz Equip

You have everything you need for your business, or do you? Do you still need to purchase the car or other equipment
necessary for your business to function and grow? Home Federal’s Biz Mobile/Biz Equip product is a loan to your
business for the purchase of a business vehicle or the installment of equipment. Biz Mobile/Biz Equip provides the
comfort of knowing that your payment won’t change making budgeting your business that much easier. What’s more, we
want you to have peace of mind knowing that your business will have the equipment and vehicles it needs without having
to raise the capitol to make the purchase. You will be extremely pleased with how quickly we can have your needs met
with fast application and approval times.

In a complex business world, we have the simple solutions.

Features of Biz Mobile/Biz Equip:
- Easy application process
- Fast response; pre-approval available
- Automatic loan payment option with a reduced rate
- Competitive interest rates
- Loans from $2,500 - $100,000
- Fixed interest rate

Biz Equity

As a business, you understand convenience and the desire to grow. As a bank, so do we. Biz Equity is a fixed interest
rate loan in which commercial real estate serves as collateral. Home Federal created Biz Equity to allow you flexibility,
convenience and the ability to grow. Biz Equity is a great loan if you are looking to remodel your business, upgrade equipment,
and make the most of investment opportunities. Best of all, you can make your business purchases without raising separate capital
and have complete access to your funds with no transaction charges!

Features of Biz Equity:
- Commercial real estate serves as collateral
- Fixed interest rate
- No early closure fee
- Customer pays loan costs

Call us or stop by a branch
today and get the money you deserve to build your business.

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