In the heart of Sidney, Ohio, Eck Refrigeration, a commercial and industrial heating, air conditioning, and refrigeration service provider, has thrived for over four decades. Known for handling jobs both big and small, the company has supported countless local businesses by keeping their systems running smoothly. Behind this local company’s long-standing success is a dedicated banking partnership focused on their stability and growth.

Building a Strong Foundation Through Community Banking

Eck Refrigeration’s owner, Bob Eck, recalls his first connection with Minster Bank’s Dan Heitmeyer back in the early ’80s. “My father and I did the refrigeration work at the grocery store Dan worked at in college,” he shares. Over the years, what began as a simple business relationship evolved into a valuable partnership, supporting Eck Refrigeration’s growing business needs.

“We’ve moved all our personal and business accounts to Minster Bank,” Bob recalls. “Dan has always been there for us, offering business loans, real estate transactions, and equipment financing. This has allowed us to grow at our own pace, while knowing we had financial support we could trust.”

Business Loans: Fueling Small Business Growth

A key element in Eck Refrigeration’s expansion has been access to flexible business loans. Starting with a modest line of credit, they were able to finance essential vehicles and equipment. As their business grew, so did their banking needs—and Minster Bank made the process seamless. “Whenever we needed to increase our line of credit or secure a new loan, Dan was there to make it happen, quickly and smoothly,” stated Bob.

This support enabled them to tackle large commercial projects, purchase updated equipment, and hire skilled technicians—all crucial elements in scaling a business. Business loans tailored to their needs made the difference between merely maintaining operations and pursuing true growth.

The Community Bank Advantage

For Eck Refrigeration, working with a community bank has provided something invaluable: personal service and trust. “With a larger bank, you often feel like just a number,” he explains.

“At Minster Bank, I know the people by name, and they know me. When I walk in, they greet me like family. That level of familiarity makes all the difference when you’re managing a small business.”

Community banking has made the daily tasks of business banking simpler and more convenient. The flexibility and support offered by Minster Bank allowed Eck Refrigeration to focus on what they do best—serving their customers—while knowing their banking needs are in reliable hands.

Partnering for Future Growth

As Eck Refrigeration continues to grow and take on new challenges, Minster Bank is ready to support them with tailored business banking solutions. This partnership reflects the power of personal service and flexible financing in fueling small business growth, proving that with the right banking partner, any business can go far.

For any small business, finding a banking partner who understands the unique challenges and opportunities of business growth can make all the difference. Whether it’s a business loan, line of credit, or day-to-day banking needs, Minster Bank stands ready to support local businesses on their journey.

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