Business Loans

At North American State Bank, we understand that every business is unique, your credit management needs change over time, and efficient credit management is key to your company's success. This is why we offer premium lending solutions to support every stage of your business’s development. Get started today by meeting with one of our business bankers to discuss your business’s needs and learn more about North American State Bank’s business lending solutions.

Commercial Real Estate Lending

Whether purchasing existing owner-occupied or rental properties for your business, or building them from the ground up, we offer solid Commercial Real Estate & Construction Loans to help you move forward quickly and bring your plans to fruition. As your business partner, we'll work to personalize the loan to your needs. Our Commercial Real Estate & Construction lending solutions offer:

  • Competitive interest rates
  • Fast, local decisions
  • Convenient, flexible terms
  • Online viewing and payment capabilities

Equipment Financing

With a flexible term and down payment, North American State Bank can offer the Equipment Financing your business needs to invest in new technology, furniture, vehicles, other equipment and more. Talk to us today or apply now to equip your business with all it needs to succeed.

  • Competitive fixed or adjustable-rate options
  • Fast, local decisions
  • Convenient, flexible terms designed to fit your company’s cash flow
  • Online viewing and payment capabilities

Business Line of Credit

With a revolving Business Line of Credit, you can immediately accommodate for cash flow needs that arise, such as increasing inventory, making payroll and paying time-sensitive bills. When you repay what you've used, the full amount of your credit line becomes available for future use. For some extra financial security and peace of mind, visit with one of our business bankers today.

  • A revolving line of credit to use as you see fit
  • Pay interest only on what you use
  • Can be tied to your checking account for overdraft protection
  • Terms vary but are typically renewed annually

SBA Lending

Whether you’re looking to expand your business, purchase equipment, real estate or refinance existing debt, a North American State Bank Small Business Administration (SBA) loan may be just the solution you’re looking for to help your company grow. Our team stands ready to work with you to evaluate your needs and find an SBA loan to fit your unique situation.

  • Finance up to 90% of total project costs
  • Down payment as little as 10%
  • Flexible, competitive rates
  • Longer loan payback times (10 years for equipment, working capital, and startup costs and up to 25 years on real estate)
  • No balloon payments; fully amortized loans

Contact one of our business bankers today so that we can develop an understanding of your business, respond with recommendations that fit your unique needs, and become the financial resource you can trust!

All loans are subject to credit approval