Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Small Business Lending and Banking is at the heart of what we do and has been for more than 160 years. Small business is what drives our community and provides 80% of employment to our community workforce. As a community bank, we value that tremendously and want to do all we can to help small businesses succeed.
We have resources to help small businesses get started or expand which includes financing or loans for various needs. One great resource is the assistance of the Small Business Administration (SBA) with an SBA loan.
The Callaway Bank offers several SBA programs and can assist you in figuring out which option is a good fit, and help with the loan process.
We can also assist you with the 504 Loan Program.
The SBA works with lenders to provide loans to small businesses. The agency doesn’t lend money directly to small business owners. Instead, it guarantees a portion of the loan if the client defaults (fails to repay it). The SBA reduces lenders’ risk and makes it easier for them to provide access to capital. That makes it easier for small businesses to get loans.
SBA loans can be used for the funding of your business in multiple areas.
Some uses for SBA loans may include:
Compared to other types of business loans, SBA loans are generally considered a good option for many people who qualify due to their flexibility of use, reasonable interest rates, relatively low down payments, and varying term lengths.
The U.S. Small Business Administration offers a wealth of information beyond financing to help business owners. They provide guides on how to start a business, grow, and expand. https://www.sba.gov/
10 steps to start your business. Starting a business involves planning, making key financial decisions, and completing a series of legal activities.
How to Get A Federal or State Tax ID Number. Your state tax ID and federal tax ID numbers — also known as an Employer Identification Number (EIN) — work like a personal social security number, but for your business. They let your small business pay state and federal taxes.
Contact us to discuss the pros and cons of SBA loans for your business today.
No matter the size of your business, we have options to fit your needs.
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Learn Moreabout Business Savings | Money Market | CDsPayment & Merchant Services Solutions Banking with us means you can enjoy options and personalized advice on the best fit for accepting credit cards for payment, terminals, phone/tablet apps, virtual terminals, point-of-sale devices, integration into existing point-of-sale systems, and website integration for YOUR specific business type.
Learn Moreabout Payment & Merchant Services SolutionsBusiness Banking Client Stories We are ready to help you start, grow, or expand your small business in your town. Fulton, Columbia, Ashland, Mokane, and any of our mid-Missouri communities are ready to serve you.
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Lydia is a native of the Fulton area with deep family roots here in the community. After earning her dental assistant degree, she realized that was not her true passion thus leading her to her current position with us here at The Callaway Bank while continuing with her drive-in helping others.
When she is not immersing herself in reading an enjoyable book or revamping a room in her home with creative decor, she can be found diving into some retail therapy or spending time with her pets. While her volunteering has taken a backseat lately, she is eager to dive back into the community and help again.
Lydia thrives on the opportunity to assist and reassure people that she is here to help them every step of the way. She is part of a supportive team dedicated to guiding clients through every financial process. Here at the Bank, she feels this close-knit group is a second family and enjoys sharing that same feeling with everyone she helps.
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Hailing from an agricultural community in Michigan, Madison has always felt a deep connection to farm life. Between 2018 and 2021, she embarked on a journey across the country, seeking new experiences and opportunities. During a dairy science internship in Florida, followed by a brief stop in Iowa, Madison’s passion for community and community-building opportunities grew. Now proud to call Mid-Missouri home, she is grateful for the chance to support communities in Callaway, Boone and all mid-Missouri counties.
Madison’s deep-rooted agricultural background and commitment to community service make her a valuable asset to The Callaway Bank’s Business Banking Team. Since joining the Bank, she has become known for her enthusiasm and dedication to client care. Her agricultural experience has endowed her with strong problem-solving skills and a hands-on approach, enabling her to excel in supporting local businesses.
Her most rewarding moments here at The Callaway Bank are spent championing the bank’s newest business clients, whether it’s assisting with grand openings or offering support at events. Knowing that she plays a vital role in meeting their banking needs, enabling them to focus on their enterprises.
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Jacob Pestle, VP is the Business Banking Manager for The Callaway Bank.
A graduate of Rock Bridge High School, he also attended Columbia College. An Eagle Scout, Pestle attributes Boy Scouts Troop 4, Columbia with teaching him lifelong values and the importance of building good character to prepare him to be a conscientious and responsible leader in the banking industry.
Pestle is a member of the Columbia Chamber of Commerce and is a resident of Columbia, MO.
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Marty Matthews is a Business Banking Specialist for The Callaway Bank. Get in touch with Marty to assist you today!
Kelli Desmond
Kelli Desmond is a Deposit Documentation Specialist at The Callaway Bank. Born and raised in mid-Missouri, she’s served the banking needs of Ashland-area residents since 2018. Her years of industry experience offer helpful insight to both personal and commercial banking customers.
While Kelli has worked at institutions of all sizes, she was drawn to The Callaway Bank for its abilities to offer the best of both worlds — small town connections with big opportunities. Outside of the Bank, she enjoys spending time with her daughters. From traveling to cooking and DIY projects, she also enjoys a challenge and has an inclination for adventure.
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Russ Marshman offers over 20 years of lending experience, which he brought to The Callaway Bank in 2020. The Wisconsin native relocated from Green Bay to Marshall, MO, in 1985 before settling in Fulton in 2019. The commercial and real estate lender is driven to help people realize their dreams and enjoys the commitment to teamwork of the Bank’s lending department.
In his free time, Russ enjoys fishing, riding side-by-sides, and spending time with his family, especially his grandchildren. He also raises golden retrievers and goldendoodles.
Josh is a Fulton native with a skillful knack in the financial industry. With nine years in the banking industry, he has spent three of those years in lending and six in retail banking all while honing his banking and financial skills.
When he is not crunching numbers, you will find him on the golf course or engaging in a friendly game of conrhole. As an ambassador with the Callaway Chamber of commerce, Josh is deeply connected with the Fulton and Callaway communities.
He thrives in the small-town vibe where he is passionate about assisting local businesses in realizing their dreams. His commitment to his clients is unwavering and prides himself on making the loan process as smooth and stress-free as possible while building strong, everlasting relationships along the way.
Dave Toczylowski has more than 15 years of lending and business development experience. He enjoys working closely with clients to find financial solutions that foster a path to encourage their success and growth.
“Working with a community bank that truly believes in and lives out its mission daily attracted me to The Callaway Bank.”
– Dave Toczylowski
A native Missourian and graduate of the University of Missouri – Columbia, he has enjoyed volunteering over the years with the United Way, Habitat for Humanity, and Missouri Stream Team. His work with Junior Achievement to inspire and prepare young leaders of tomorrow for success is especially gratifying. Toczylowski is also a member of the Walt Beumer Memorial Chapter of the National Wild Turkey Federation and the local chapter of Ducks Unlimited.
A resident of Columbia, he enjoys attending sporting events to support his nieces and nephews and spending time with family and friends. Outside of that, he also loves hunting and fishing and, on a rainy day, can often be found wrapped up in a good crime or historical novel.
Contact Dave today for your Commercial Lending needs!
Born and raised in Callaway County, Carson Humphreys has spent his entire life living and working in agriculture. He even resides on the same farm he grew up on located just south of Fulton, along with his wife and four sons. Such life experience provides the ag lender with valuable insight into the unique financial needs of local farmers.
After graduating from Fulton High School, Carson earned his Bachelor of Science in Animal Science from Northwest Missouri State University. He spent several years in the farm machinery industry before becoming an Ag teacher at Fulton High School. Now, the commercial lender is taking on a new adventure at The Callaway Bank to assist and work with Mid-Missouri’s agricultural community in a new way.
In his free time, the local can be found working on the farm and dedicating time to numerous agriculture and youth-focused programs — many of which impacted his life growing up. Carson proudly volunteers with the Callaway Youth Expo as a board member and a ham and bacon superintendent. He’s also the ham and bacon project leader for the 4-H club and continues to support the Fulton FFA.
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NMLS #2034083
Brent’s enthusiasm for helping people reach their goals is exciting to witness. His strong and honest work ethic, combined with his ability to multitask, helps him balance his family, career, and farm goals.
He loves hunting, fishing, and working on the farm with his wife and their three boys while also serving in their church and watching football.
Supporting the United Way and volunteering with Junior Achievement to teach financial literacy to our young people are two significant efforts for Brent.
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NMLS #757402
Josh Stephenson, President of the Boone County Market, has more than 15 years of lending experience and has been with The Callaway Bank since 2009. He received a Bachelor of Science from William Jewell College in Liberty, Missouri, and is also a graduate of The School of Banking in Springfield, Missouri. Josh is dedicated to the community he serves and is active with the Columbia Chamber of Commerce and the Lions Club. Josh coaches youth football and basketball in his spare time and farms a few hundred acres.
NMLS #757352
Bob has been a Commercial Lender with The Callaway Bank since 1998. Prior to joining the bank, Bob already had 12 years of commercial lending and financial service experience. Through his years of experience, Bob has gained expertise in the areas of real estate, rental property, construction, and equipment financing. He earned his Bachelor of Science in Business Administration and Master of Business Administration, with a focus in Finance and Banking, from the University of Missouri-Columbia. Bob is also very active in the local community. He is currently serving as the treasurer and board member for the Fulton High School Senior Parents Association, as well as a board member and treasurer for the Risk Management Association, and an advisory board member for the Callaway County United Way. He has also formerly served as the president for the Risk Management Association board, former president and vice president for the Callaway County United Way, former president and vice president for the Host Lions Club in Columbia, two-time former board member and treasurer for the Voluntary Action Center, and former deacon and treasurer for the board of his church. In his spare time, Bob enjoys sports, reading, seeing a good movie, and spending time with his family.
bob.fisher@callawaybank.com
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Brian has been with The Callaway Bank since 2006, serving previously as a Personal Banker at the Main branch and Branch Manager at the South branch. In 2012, Brian transitioned into his current role as a Commercial/Real Estate Lender at the Main bank location in Fulton.
Brian, originally from Hatton, Missouri, graduated from William Woods University with a Bachelor of Science in Business Administration. Brian chooses to give back to his community by serving on the Callaway County United Way Board. During his spare time, he enjoys spending time outdoors, hunting, competitive pistol shooting, and being with his family and friends.
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