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 & Industrial 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.


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.

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

The Small Business Association (SBA) offers loan programs to help small business owners with financing options. SMB&T lends the funds to the business owner, and the SBA backs the funds. All of our Commercial Lenders are able to work with SBA loans to fit your business's needs


Other Programs Available

  • United States Department of Agriculture Loans
  • Capital Access Loans