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Online Banking

Country Line of Credit (CLOC)

Exclusively for Career Financial Representatives

  • Credit lines up to $20,000, no setup fees
  • Issuance is not guaranteed.
    Production levels, credit history, and income are used in the underwriting and pricing process. One or more of the following is required for income documentation: three years of commissions, tax returns, profit & loss statements and/or business financials.
  • Payments must be Commission Deduction at 3% or 4% of the balance outstanding.
  • Rates can vary and will be Prime + 2% to Prime + 4% based on underwriting criteria. The rate can never go lower than 6.5%.
  • Minimum Advance is $500
  • 3-Year Term length may be paid off or applied for a renewal of an additional 3 years.

*CLOC approvals & availability limits are based on u/w and are not guaranteed.

**The underwriting uses COUNTRY agents’ time-on-the-job (tenure), credit history, and income and expenses to determine the availability assigned to every CLOC.  Standard documentation needed for underwriting includes, but may not be limited to, the following: a summary of the book of business, profit & loss statement, business plan, commission statements, and tax returns.


This is not an application for mortgage.  Mortgage prequalification helps to determine if you meet the minimum requirements for a loan and how much home you can afford.  If the qualifications are met for the purchase price and loan terms you have listed you will be presented a pre-approval letter.  If you’re confident in your finances and are ready to apply now, you should complete a full application instead.

Continue to Pre-Qualify Now