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.
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.
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.