Personal Lending

Consumer & Small Business Resources

for COVID-19 Relief & Financial Options

Please note the important reference materials linked in the buttons below.

We are here and ready to act.

Important SBA Paycheck Protection Program (PPP) Information Below 


EFFECTIVE: May 4, 2021 PPP Funds Depleted for All Except CDFIs, MDIs 

The Small Business Administration (SBA) has announced that Paycheck Protection Program (PPP) funding has been exhausted. As of yesterday, May 4, the PPP application portal will stop accepting applications for loans from lenders except for minority depository institutions (MDIs) and community development financial institutions (CDFIs).   


715-284-9448 for Black River Office

608-488-2411 for Melrose Office 


From Residential Mortgages to Consumer Loans ... 

We Can Help Make Your DREAMS a REALITY Today!

Looking for your first home? Building new or remodeling? Maybe you're looking to purchase that new car, a car for your teen, or a camper for the family?! Let us help you discover your borrowing options. We have competitive rates, excellent service, flexible terms, and a variety of credit plans.

We can fit your loan needs. Long or short term, secured or unsecured, are options available to you. 

GET STARTED or stop in today to meet with one of our experienced Loan Officers!

Consumer Loans

Installment Loans

Buying a new or used car, boat, motorcycle, snowmobile, ATV, or other type of vehicle can be easy. We offer flexible terms and affordable payment options. Credit Life and Disability insurance are also available.

Personal Loans

If you are planning a vacation or have other personal needs, we have a short term loan that can meet those needs. Our loan officers can provide fast service and competitive rates.

Élan Credit Cards

For college students, vacations, or smaller projects, our Visa card may suit your needs. It’s accepted at millions of places around the world. It offers Travel Insurance, Car Rental discounts, and 24 hour customer service.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

Black River Falls Office

Kim Torres (715) 284-9448 NMLS# 1753341 

Andrew Millis (715) 284-9448 NMLS# 2027264

Melrose Office

Justin Blaken (608) 488-2411 NMLS# 433832

Max Hart (608) 488-2411 NMLS# 1257455

Residential Mortgages

Real Estate Loans

We offer conventional home loans at affordable rates. Payments can be automatically deducted from your checking or savings account monthly or biweekly. Your interest may be tax deductible. We participate in WHEDA and various fixed rate programs.

Balloon Mortgages

How it Works: The borrower makes equal monthly payments that are typically based on a specified pay-off schedule.

Payment in full of the outstanding principal balance is due at a specific time prior to the end of the scheduled amortized term. Hence the name "balloon." Most borrowers who take advantage of the attractive interest rates offered by balloon mortgages anticipate selling or refinancing the property prior to the end of the balloon period.

Fixed Rate Mortgage

A standard fixed-rate loan has a fixed interest rate, a fixed monthly payment, and is fully amortizing over a given number of years. A portion of each monthly payment covers the interest due on the loan. The remaining portion is applied toward the reduction of the principal balance. Regular payments systematically reduce the loan balance until the loan is paid in full.

The standard fixed-rate mortgage is still the most popular mortgage loan type. Its popularity is tied to the security that a fixed rate and fixed payment offer to borrowers who are reluctant to assume the risk of fluctuating interest rates. The availability of different loan terms offers borrowers the security of a fixed payment but allows for flexibility in the size of the monthly mortgage payment as well as how quickly the principal balance can be paid down. 

New Construction

We can also finance the new construction of your home with a Residential Construction Loan. We make your building process easier by facilitating the draw process.

Home Equity Line of Credit

Home Equity credit lines enable you to advance equity in your residence. You can use the money for home improvements, vacations, weddings, car purchase, holiday buying, landscaping, a second residence and much more. You don't have to use the money just for your home improvement. It is nice to have open and established and ready for use.

We will bill you monthly only on the amount outstanding. During the term of your credit line, funds may be advanced at your convenience, utilizing a checking account. Debit cards are also available on this account. The interest you pay may be tax deductible. Consult with your tax advisor to review your specific situation.

GET STARTED or Contact one of our knowledgeable Loan Officers today!

Black River Falls Office

Kim Torres (715) 284-9448 NMLS# 1753341

Melrose Office

Justin Blaken (608) 488-2411 NMLS# 433832

Max Hart (608) 488-2411 NMLS# 1257455