Greenleaf Wayside Bank

Terry L. Lardinois
Executive Vice President / COO
920-864-7901

Terry is committed to servicing the credit needs of small and large businesses in our community. Terry's financial expertise combined with over 20 years of banking experience provides strong business to business relationships.

Terry joined our team in October 2001. He previously was Owner and President of Neighborhood State Bank in Seymour and Nichols, Wisconsin. He currently serves on the Board of Directors for The Wisconsin Bankers Association's Retail Banking Section. He also serves on Greenleaf Wayside Bank's Board of Directors and is very active with our community's growth and development. Terry resides in Seymour with his wife Patti and family and is ready to help you meet important financial goals.

Robert L. Fandrey
Commercial Loan Officer
920-864-7901

Bob welcomes the opportunity to assist you with your commercial lending needs and is eager to build strong relationships in our community.

Bob joined our team in January 2004. He brings over 15 years of experience in commercial lending in the Green Bay and Fox Valley markets. A native of Clintonville, Wisconsin, Bob holds a Bachelors Degree in Business Administration from the University of Wisconsin-Whitewater and his Masters of Business Administration from the University of Wisconsin-Oshkosh. Bob resides in Wrightstown with his wife Becky and looks forward to meeting the residents of our community.

Competitive rates, quick response time and quality personalized service, are all a part of what we do. We are here to help you meet important financial goals.

All loans provided by Greenleaf Wayside Bank are subject to credit approval and specific terms and conditions. Greenleaf Wayside Bank does not discriminate against any application for credit. Our loan officers are ready to help you fulfill your financial needs.

*Additional disclosures provided on all GWB Loans. All loans are subject to credit approval.

Working Capital

At Greenleaf Wayside Bank, we understand that all successful businesses need working capital from time to time. No matter what your size or type of business, you could probably use extra working capital to:

Whether you frequently need funds for short periods or you occasionally need longer term loans, we can recommend an appropriate method of financing.

For example, a revolving line of credit is a flexible means of cash management. It allows you to use funds as needed up to a specified credit limit. You can borrow as much or as little as you need without applying for a loan every time you need funds. It can also provide protection against occasional overdrafts by automatically transferring funds to your checking account from your line of credit.

Term loans are also available for permanent increases in working capital. Terms are tailored to your specific needs. Again, flexibility is the key.

Equipment and Other Intermediate Term Financing

An integral part of your company's growth is anticipating capital needs. Greenleaf Wayside Bank can help you take advantage of opportunities to increase income and productivity by showing you financing options that you may not have considered. We offer short and intermediate term equipment financing, and we can show you flexible alternatives to traditional dealer financing.

Equipment financing is typically used to purchase the following:

Real Estate Lending

It pays to rely on the experience of Greenleaf Wayside Bank's loan officers when buying or developing real estate. We offer short-term construction loans and long-term permanent financing.

Whether your plans involve development, construction or expansion, we're ready to help. We can finance the purchase or construction of:

Business Cash Reserve

Greenleaf Wayside Bank's Small Business Checking Account customers are eligible to apply for a special $1,000 to $5,000 Business Cash Reserve credit line attached directly to their checking account. Larger commercial credit lines are available for credit needs above $5,000.

You will not accrue any interest on your Business Cash Reserve until the line is activated.

Business Cash Reserve offer peace of mind and convenience during times when our Small Business customers experience cash flow problems or want to purchase new equipment. You can use your Business Cash Reserve for any borrowing purpose. It will be standing by when you need it.

Greenleaf Wayside Bank is able to offer Government Sponsored Loan Programs loans in conjunction with the U.S. Small Business Administration (SBA), which guarantees up to 75 percent of the funds borrowed.
Loans are provided under the following programs:

Certain businesses have needs for bank letters of credit to provide guarantee of payment for products or services provided. We provide quick turnaround for these needs to help complete a business transaction with your customer or supplier. Aslo, we can evaluate leasing as a financing option for your equipment purchase.

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NOT A DEPOSIT � NOT FDIC INSURED � NOT GUARANTEED BY THE BANK � NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY � MAY GO DOWN IN VALUE