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Business Term Loans

  • Competitive rates for a wide range of business expenses
  • Repayment terms customized to fit your business plan
  • Local decision-making and processing
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Commercial Real Estate Loans

  • Competitive rates to purchase or refinance commercial properties
  • Available for owner-occupied or investment properties
  • Lending professionals with working knowledge of the Southern Illinois real estate market
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Construction Loans

  • Competitive rates for your commercial construction project
  • Available for single family, multi-family, and commercial properties
  • Intermediate and permanent financing plans available
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Equipment Loans

  • Competitive rates for new or used equipment
  • Meet needs without cutting into working capital or savings
  • Local decision-making and processing
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Operating Lines of Credit

  • Competitive rates for a wide range of long-term or seasonal business needs
  • Funds available right when you need them
  • Only pay interest on the part that's used
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Small Business Administration (SBA) Loans

  • Government-assisted financing for businesses that might have difficulty getting approved
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity*
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