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Commercial & Agriculture LoansBusiness Loans

At Cumberland Federal Bank our goal is to help your business grow.  Our experienced Commercial/Agricultural Lenders think outside the box.  They will work with you in tailoring financing that is flexible and creative to meet your unique financing needs.  And because Cumberland Federal Bank's lending decisions are made locally, you can be assured that Small Business is Big Business at Cumberland Federal Bank.

  • Real estate mortgages for commercial properties and investment properties.
  • Building acquisition or refinance.
  • Equipment or vehicle financing.
  • Agricultural real estate.
  • Machinery, equipment and livestock.
  • Working capital.
  • Operating Lines/Lines of Credit.
  • Crop input.
  • FSA/SBA Guarantees.

Update your Financial Statement here.

Cumberland Federal Bank provides quick and personal service with very competitive interest rates and terms.  We are flexible on amortization and down payment requirements.  Let our experienced Lenders assist you with your unique financing needs.   

Our Lenders are also available during non-banking hours.

Contact us or call a Lending expert at 715-822-2249 for more information.


Ladysmith Branch


Cumberland Federal Bank


Cumberland Federal Bank is pleased to be a part of the Ladysmith community. With over 85 years of serving the Cumberland area, Cumberland Federal Bank looks forward to supporting the thriving commercial small business enterprises, community organizations and families that call Ladysmith home. Located at 312 W. 9th Street, North, Cumberland Federal Bank is a full service bank providing commercial banking services and traditional banking products with friendly exceptional service. Cumberland Federal Bank is now open Ladysmith to serve you.








New Scam Alert

There is a new scam involving online banking transfers. Fraudsters transfer money between accounts, then call pretending they need a refund. They ask money to be wired out. Be diligent in checking all of your accounts and ask bank personnel any questions. Watch for red flags such as: asking you to lie to bank personnel, saying they will give you money for your trouble, the person had no reason to give you money. Educate yourself: click on Education Center and Money IQ for information regarding scams.