We get it. Starting, maintaining and growing a business often requires extra capital.
Our dedicated lenders take the time to develop a financial solution that’s right for your business — no matter your company’s size, industry or lifecycle. Decisions are made locally and quickly. As a committed partner each step of the way, we make sure the deal gets done well and on time.
Contact one of our business lenders today to learn more about our many lending services!
Types of Business Loans
Commercial real estate loans (see below!)
Land and lot loans
Working capital to manage cashflow cycles and for short-term needs
Funds for capital expenditures
Operating lines of credit
Facility renovation and expansion loans
Financing for buyouts, acquisitions and mergers
Business loans and leases for equipment, machinery, and other fixed assets to conserve capital and minimize tax
Small Business Administration (SBA) guaranteed loans for increased credit access and flexible terms
Commercial Real Estate Loan Features
Customized terms
Competitive rates
Can be used to finance new purchases, remodels and expansions
Customized by our highly skilled, experienced lenders
Loan Calculator
Our Commercial Lenders
Pete R. BurmeisterSenior Vice President / Chief Credit OfficerIndependence(319) 327-8386NMLS ID: 1978747
Meet Pete R. Burmeister
Senior Vice President / Chief Credit Officer
As Chief Credit Officer at WCF, Pete oversees the bank’s credit administration and focuses on growth. His philosophy: “Be conservative in the good times, be courageous in the bad times and always trust your gut.” He has worked in the agricultural-, commercial- and personal-lending field since 2007, serving in both community- and corporate-banking environments. However, his connection to agribusiness stretches back even farther: Pete was raised on a diversified crop and livestock family farm in Eastern Iowa, and continues to be involved to this day. He received a bachelor’s degree from Iowa State University and a master’s degree from Western Kentucky University. His hobbies include golfing, camping, walleye fishing and showing steers with his daughters.
Kelly J. SmithSenior Vice President / Tama Market President / Senior Loan OfficerTama(641) 484-2078NMLS ID: 535722
Meet Kelly J. Smith
Senior Vice President / Tama Market President / Senior Loan Officer
Kelly has served within the banking industry for the past 26 years, performing all aspects of lending and managing banking functions. He currently serves WCF in a variety of roles, including senior vice president as well as market president and senior loan officer for Tama/Toledo operations. Kelly earned a bachelor’s degree in finance at Buena Vista University and a master’s degree from the Graduate School of Banking in Madison, Wisconsin. He is a part of the Region 6 Housing Trust Board. He enjoys spending time with family and friends, golfing, hunting and doing just about anything outdoors.
Cody HeckenlaibleAsst. Vice President LendingIndependence(319) 327-8388NMLS ID: 1675076
Meet Cody Heckenlaible
Asst. Vice President Lending
Cody grew up on a small ranching operation in South Dakota, fostering a passion for agriculture that endures to this day. He earned a degree in ag business from South Dakota State University — where he also was a member of the Rodeo Team! Cody loves working alongside farmers to make their agribusinesses stronger and values the trust they place in him. “This trust factor, along with the high-level customer service I hold myself to, is what helps me build long-time relationships with my clients,” he said.
Joel WarlandSenior Vice President/LendingWebster City(515) 654-6275
Meet Joel Warland
Senior Vice President/Lending
Joel joined the WCF Financial Bank team in March, 2022. His banking background includes 30 years of commercial lending experience, including the last 10 years with a community bank located 15 miles from Webster City. His role at WCF is to work with and support local businesses and farmers to help them grow and succeed.
Joel grew up and graduated from high school in Fort Dodge. He majored in Finance at the University of Iowa and completed his Master’s Degree in Accounting at DePaul University in Chicago. His hobbies include pheasant hunting, cooking, and playing the drums.
