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Commercial Loans

Important Information to Applicant(s). To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan or opens an account.  What this means for you. When you apply for a loan or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.

Commercial Loans Include:

  • Lines of Credit
  • SBA Loans
  • Term loans available for fixed asset purchases
  • Favorable rates
  • Flexible terms
  • Local decision making
  • Personalized service
  • Easy to apply

Contact us when you need financing for your company. We offer a wide variety of loans to help you. Call today for more details at (618) 939-7194 or "click" the Questions button!


Commercial Real Estate Loans

We have financing solutions for the purchase, construction, and/or refinancing of rental houses, apartments, office buildings, industrial buildings, retail centers, senior care centers, recreational properties, churches and hotels.  Our loan officers are experienced professionals who have the ability to structure a real estate transaction with terms that are specifically designed to accommodate the cash flow needs of your business.

  • Owner Occupied Business Properties
  • Investment Properties
  • Farmland
  • Land Acquisition and Development

Term Loans

Designed for the business owner seeking to purchase or refinance business-related assets.  Term loans feature a predictable repayment schedule over a fixed period of time with consideration given to the financial needs of the customer and the useful life of the assets financed.  This type of financing is perfect for financing:

  • Commercial Equipment
  • Heavy Equipment
  • Agricultural Equipment and Machinery
  • Permanent Working Capital
  • Business Acquisition or Expansion
  • Partner Buyouts
  • Debt Restructuring

Lines of Credit

It takes money to make money.  Our financing solutions can help provide the working capital you need to finance receivables, inventory or current operation expenses.  The specific terms and structure can be tailored to the borrower’s unique financial needs.

Letters of Credit

We provide Standby and Trade Letters of Credit to give enhanced credit standing to our customers to facilitate their purchase and sale activities.

Small Business Administration (SBA) Loans

State Bank offers SBA 7a and SBA 504 loans to for-profit businesses in virtually every industry.  SBA loans typically require lower down payments and longer repayment terms than conventional bank loans and may be used to:

  • Purchase or Renovate Commercial Real Estate
  • Purchase or Expand a Business
  • Purchase Fixed Assets such as equipment and machinery
  • Finance Competitor and Partner Buyouts
  • Business Acquisition or Expansion


Be safe, use Popmoney to pay other people using a mobile phone number, email address or account number. Best of all, you don't need to download a new app to send or receive money. Just use your State Bank account! Login to Online Banking and head to the Bill Pay tab to get started!


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Did you know we literally pay you to bank here? Our Rewards Checking is so good even WE have a hard time believing it.  Open one of our Rewards Checking Accounts and start enjoying the benefits today. Click  'Rewards Checking' to learn more!

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