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Business Loans

Flexible financing options for a wide range of business needs. 

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 year.

Revolving Lines of Credit

Financing for a number of ongoing or seasonal business needs. Simply make withdrawals as needed, without having to apply for a separate loan. 

Agriculture Loans

We offer equipment loans, farm real estate loans, and more, all with payment schedules to match your sales plan. Get an agriculture loan to meet your agribusiness needs today.

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.

Business Real Estate Loans

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


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

Meet Our Commercial Lenders

Our team of experienced professionals are well equipped to accommodate your unique business needs.