Business Loans

Ladysmith Federal offers a wide variety of business loan products to fulfill the needs of any borrower. Whether you are looking to purchase an existing business, start a new business or just need money for the daily operations of your current business, Ladysmith Federal has the competitive rates and superior service you deserve. Even better, our loan decisions are made locally … where our customers live!

If your business is located within our lending area, please complete our business information request form or call 1-888-532-LFSL to speak with our commercial lender.

If you are ready to apply for a business loan, click to download a business loan application or call our office at 1-888-532-LFSL today.

Joseph Zaffino MLO # 1247639

Commercial Loans

  • Lines of Credit
  • Commercial Property
  • Rental Property
  • Construction
  • Business Equipment or Vehicle
  • Expansion/Remodeling
  • Term Loans
  • Short-term Working Capital
  • VISA Credit Card

Small Business Administration (SBA) Loans

Ladysmith Federal is experienced in providing United States SBA Loans. Almost any business purpose can qualify for SBA Guaranteed Loans including:

  • Equipment/Inventory purchase
  • Commercial Real Estate purchase
  • Commercial construction
  • Business acquisition and expansion
  • Refinance
  • Working Capital
You will be sent to our secure online banking site at

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Loan Pre-Qualification

Click here to process a loan pre-qualification submission.
How to sign up for online banking:

Call Ladysmith Federal at 1-888-532-5375
Member FDIC, Equal Housing Lender