Lines of CreditHaving 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 LoanWith 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 & Industrial LoanSouthern 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. Commercial Real Estate LoanSouthern 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. |
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.
Small Business Administration Loans
Other Programs Available
- United States Department of Agriculture Loans
- Capital Access Loans