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Park State Bank
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Business Loans

Let's Get Growing

Park State Bank offers a variety of business banking loans to help your business grow. Committed to our own entrepreneurial spirit, we specialize in providing our business banking clients with customized lending solutions.  
 
 

small business Loans

At Park State Bank, we offer federally guaranteed Small Business Administration (SBA) loans to give start-ups and local businesses a chance to succeed.

Park State Bank is active in SBA Lending. SBA loans provide attractive interest rates, longer repayment terms, and lower down payments for qualifying businesses. This program is typically used to fund projects such as land and building acquisition/ improvements or refinancing.

  • Better interest rates
  • Longer repayment terms
  • Lower down payments
  • Local processing and underwriting
  • Personal service
  • Experienced loan professionals
Have questions about Small Business Loans? Contact us.
 
 

Business term loans

Get a business loan from one of our full-service loan professionals, and let us help you succeed. We offer term loans with competitive rates and flexible terms. But what really sets us apart is our commitment to personal service. Contact us to see what we can do for you.
  • Competitive interest rates
  • Flexible term options
  • Affordable payments
  • Local processing and underwriting
  • Quick decisions
  • Personal service
  • Experienced loan professionals
Have questions about Business Term Loans? Contact us.
 
 

real estate and land development

Whether you're buying property for your business or developing real estate as a business venture, we can provide you with the financing you need. Take advantage of our competitive rates and years of experience.

Our real estate lenders combine extensive knowledge and creativity when financing your land development needs. We offer both construction and long-term financing for residential and commercial properties.

  • Competitive rates
  • Short and long-term financing options
  • Construction financing available
  • Local processing and underwriting
  • Quick decisions
  • Personal service
  • Experienced loan professionals
Have questions about Real Estate and Land Development Loans? Contact us.
 
 
letter of credit
In today's business, deals require more than just a handshake. A letter of credit from Park State Bank can help you get deals done by assuring your business partners that payment is guaranteed.

Offering a letter of credit not only helps your deals go smoothly, it can also replace an insurance company bond and give you additional negotiating power. It's also a valuable tool as a business seeks to expand relationships with creditors.

  • Guarantee payments on large payments and contracts
  • Conserve cash ordinarily used for security deposits
  • Can replace insurance company bond
  • Enjoy a stronger negotiating position
  • Facilitate international business transactions
Have questions about Letters of Credit? Contact us.
 
 

working capital lines

When your company needs financing for immediate and short-term needs, Park State Bank is there to assist you. We offer working capital lines of credit to help you cover operating costs, seasonal shortages, and other temporary needs.
Get pre-approved so that this line of credit is waiting for you when you need it. You don't pay any interest until you use it, so why not apply today? With a working capital line, you're ready for anything!

  • Use funds as you need them
  • Pay interest on only what you use
  • Easy access to line of credit
  • Competitive rate of interest
  • Affordable minimum payments
  • Pay it off and use it again
Have questions about Working Capital Lines? Contact us.