State Bank & Trust Co

Business Loans

Flexible business financing designed around the way you operate.

Whether you’re starting a new business, expanding your space, purchasing equipment, or managing day-to-day cash flow, State Bank & Trust Co. offers commercial lending solutions built to support your goals and long-term growth.

Connect with a Lender

Business Loan Options

Business Real Estate Loans

Financing designed to help businesses purchase, refinance, or improve property used for business operations and long-term growth.

Great fit for: Businesses investing in commercial property to support operations, expansion, or future business plans.

Connect with a Lender

Learn More

Line of Credit

Flexible financing to help manage short-term expenses, cash flow changes, and ongoing operating needs throughout the year.

Great fit for: Businesses looking for flexible access to support day-to-day operations.

Connect with a Lender

Learn More

Equipment Loans

Financing to help businesses purchase, replace, or upgrade equipment needed to support daily operations and long-term growth.

Great fit for: Businesses investing in equipment, machinery, or technology that supports productivity, operations, or delivery.

Connect with a Lender

Learn More

Business Credit Card

Manage everyday business expenses with a Visa Signature® Business Credit Card featuring purchasing power, expense tracking, and valuable business benefits.

Great fit for: Businesses looking to simplify expenses, manage cash flow, and earn added value on everyday purchases.

Connect with a Lender

Learn More

Additional Financing Options

Some business situations may benefit from SBA-backed financing solutions. SBA loans are designed to provide additional flexibility and may offer longer repayment terms for qualifying businesses and projects.

These financing options are often used to support business growth, expansion, equipment purchases, working capital needs, or commercial real estate investments.

Learn More About SBA Loans

What Working with SBT Looks Like

  • Local decision-making designed to keep the process moving forward 
  • Financing structures built around the way your business operates 
  • Direct access to lenders who understand local businesses and markets 
  • Consistent support from application through repayment and beyond

Questions about Business Loans?

Our team is here to help you talk through your options, answer questions, and plan for what comes next with confidence and care.

Connect with a Lender

Meet our Team

© 2026 State Bank & Trust Co. All Rights Reserved.