Commercial Real Estate
Financing solutions for purchasing, refinancing, or improving commercial properties.
Features & Benefits
- Loan amounts based on property value and cash flow
- Competitive rates with fixed and variable options
- Terms up to 25 years
- Financing for various property types including office, retail, industrial, and multi-family
- Options for owner-occupied or investment properties
Ideal For
- Purchasing a commercial building
- Refinancing existing commercial property
- Constructing a new facility
- Renovating commercial space
- Expanding your business location
- Refinancing an existing commercial building
Equipment Financing
Specialized loans for purchasing essential business equipment and machinery.
Features & Benefits
- Financing up to 100% of equipment value
- Terms aligned with the useful life of equipment
- Potential tax benefits (consult your tax advisor)
- Quick approval process for qualified borrowers
Ideal For
- Manufacturing equipment purchases
- Construction equipment acquisition
- Medical equipment financing
- Transportation and vehicle fleets
Working Capital Lines of Credit
Flexible funding that allows you to borrow only what you need, when you need it.
Features & Benefits
- Draw funds as needed
- Pay interest only on what you borrow
- Revolving credit - as you repay, funds become available again
- Flexible repayment options
Ideal For
- Managing cash flow fluctuations
- Covering unexpected expenses
- Taking advantage of inventory discounts
- Handling seasonal business needs
SBA Loans
Government-backed loans with favorable terms for eligible small businesses through the Small Business Administration.
SBA 7(a) Loans
The SBA's primary loan program offering flexible government-backed loans for most business purposes.
Features & Benefits
- Loan amounts up to $5 million
- Lower down payments than conventional loans
- Longer repayment terms (up to 25 years for real estate)
Ideal For
- Startups and newer businesses
- Working capital needs
- Inventory or equipment purchases
- Purchasing a business or franchise
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets that promote business growth and job creation.
Features & Benefits
- Up to $5 million SBA portion (larger projects possible)
- 90% financing possible (10% down payment)
- Fixed interest rates
- 10-25 year terms
- Lower fees than 7(a) loans for larger loans
Ideal For
- Purchasing land and buildings
- Purchasing long-term machinery and equipment
- Businesses planning major expansions
Business Credit Cards
Manage your business expenses with dedicated credit cards designed for your company's needs.
Features & Benefits
- No annual fee options
- Earn rewards on business purchases
- Separate business and personal expenses
- Issue employee cards with spending controls
- Detailed expense reporting and categorization
- Integration with accounting software
Ideal For
- Managing day-to-day business expenses
- Tracking employee spending
- Earning rewards on business purchases
- Building business credit
- Simplifying expense management and reconciliation
Why Choose State Bank for Business Financing?
Local Decision Making
Our loan decisions are made locally by professionals who understand your business and community.
Personalized Solutions
We take the time to understand your business needs and tailor financing solutions accordingly.
Experienced Team
Our business lending specialists have years of experience helping businesses like yours succeed.
Important Information
All loans are subject to credit approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
SBA loans are subject to SBA eligibility guidelines. State Bank is an SBA Preferred Lender.
Ready to grow your business?
Our business lending team is ready to help you find the right financing solution for your business needs.