Loan Products

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  Working Capital Loans

  Take advantage of a constant source of working capital. We offer your business flexible short-term loans and lines of credit with maturities of up to one (1) year.

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  Revolving Lines of Credit

  Financing for your inventories or accounts receivable. A revolving structure that allows you to borrow funds as needed and repay as your business cycle is completed.

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  Agriculture Loans

  We offer operating lines of credit, equipment loans, farm real estate, and rural home loans, all with payment schedules to match your sales plan.

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  Equipment Loans

  Meet equipment needs to improve the efficiency of your business. We arrange equipment financing to maximize your cash management with payments to fit your cash flow.

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  Real Estate Loans

  Whether you need funds to purchase, or for a renovation project or new construction, Southern Bank has the options and experience to get you there.

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  SBA, USDA, & RDA Loans

  We offer a variety of special loan programs designed to help your business, including the Small Business Association, USDA Rural Development Authority Loans, and Missouri Linked Deposit Program.

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