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Business Loans

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Lines of Credit

Having a line of credit available ensures you the access to working capital when you need it.  Whether for inventory, seasonal expenses or small purchases, a Southern Michigan Bank & Trust line of credit gives you the flexibility needed for your unique business needs.

Term Loan

With a term loan, Southern Michigan Bank & Trust can provide long-term financing for your fixed asset needs.  When purchasing equipment, business expansions or other specific assets, a term loan may be set to meet your cash-flow needs.

Commercial Real Estate Loan

Southern Michigan Bank & Trust will be there to help when you buy a new building or refinance your existing mortgage.  Our experienced lenders guide you through the process.

  Click to contact a commercial lender today

Agriculture Loan

When you need to finance your agricultural business, you need a lender who understands what you face in your daily operations.  Southern Michigan Bank & Trust have specialty lenders on staff that know your industry well and can help you get the loans that make sense for your business.

Letters of Credit

A commercial customer of Southern Michigan Bank & Trust may be eligible for this convenient tool.  Having a letter of credit in hand assures vendors that your credit is good and facilitates business transactions.

Other Programs Available

  • Small Business Administration loans
  • United States Department of Agriculture loans
  • Capital Access loans

Other Business Services Available

  • Online Banking & Bill Pay
  • Merchant Services
  • Remote Deposit
  • Business Credit Cards



All loans subject to credit approval.