Commercial Loans & Lines

ARE YOU READY FOR A BANK WHERE YOU MATTER?

At State Bank, we believe the future of banking is in the kind of high-performance, seamless digital delivery and high-touch relationship banking that we strive every day to deliver. Since 1910, we have been behind the dreamers, the doers, the leaders, and the makers in our local markets, building strong communities that benefit us all.

Whether your business is growing and expanding or is brand new, our experienced bankers are here to help you every step of the way. We offer various business solutions to assist you in your business endeavors, and decisions are always made locally. In other words, relationships matter to us!

BUSINESS LINES OF CREDIT

A line of credit is the perfect way to manage your company’s short-term funding needs. Use it for seasonal cash flow or business expansion.

For short-term funding needs
Access capital for long-term investments in your business
Easy access

TERM LOANS

For capital improvements or equipment, refinancing existing debt, or working capital, term loans are flexible and can cover many borrowing needs.

Purchase assets or meet specific working capital needs
We offer flexible terms to make payments work with your business’s cash flow

COMMERCIAL REAL ESTATE LOAN/CONSTRUCTION MORTGAGES

Real estate loans are available to finance the purchase, renovation, or construction of owner-occupied and investor-owned commercial properties. We have unique expertise in financing commercial real estate construction. Our rates are competitive, and a member of our Business Banking team will work closely with you to ensure that the entire process goes smoothly.

Used to finance the acquisition, construction, or refinance of your office building, warehouse, retail store, or manufacturing facilities
Competitive rates and terms

SBA LOANS

Loans for the start-up of your business or growth of your existing business
Variety of loan options, including term loans, mortgage loans, and lines of credit
Government-sponsored loan guarantees

EQUIPMENT FINANCING

Need new equipment to grow and stay ahead of the competition? We can provide the financing to make it happen. Whether it’s updating your computer system or purchasing commercial vehicles or equipment, we can finance it with payment terms designed to work within your budget

Loans to purchase the equipment your business needs today and tomorrow
Variety of repayment options

AGRICULTURAL LOANS

Our agricultural lenders have hands-on experience in the farming industry and comprehensive knowledge of our agricultural products and services. This combination allows us to provide direction and customized solutions for your needs.

Variety of loan options, including Operating Lines of Credit, Term Loans, Equipment loans, and Farm Mortgage Loans
Flexible terms to work with your operation’s budget

GOVERNMENT LOANS

As an approved lender, we can help you obtain loan programs through SBA (Small Business Administration), FSA (Farm Service Agency), and the USDA /Business & Industry program. These programs offer a variety of assistance for specialized applications to help your business get started or expand.

VEHICLE FINANCING

If you need company cars or other commercial vehicles, we can help with competitive rates and with flexible terms.

WE ALSO OFFER:

For more information on any of our services or to get paired with a professional banker in your area, call us at 866-348-4674.