Term Loans

Whether for short- or long-term needs — at State Bank Financial, we supply local businesses with financing for goals of today, two weeks from today, or even two years out.

Easily meet ongoing or one-time needs with the help of competitive rates and flexible terms that are customized to you. And just as you do business locally, so do we. We handle all decision-making and processing in-house for a more efficient means to your needs.

Summary
  • Competitively low rates for a wide range of short- and long-term business needs
  • Flexible terms, customized to each company's unique situation
  • Meet your needs without compromising working capital
  • Attentive service from a qualified staff that puts you first
  • Local decision-making and processing
Long-Term vs. Short-Term Loans

State Bank Financial is here to fulfill financing for all your business needs, whether they be short- or long-term. Each type of loan offers competitive rates and flexible financing, customized to your unique situation. The major difference is the length of time you require access to funds and how immediate your goals are.

Long-Term Loans

  • Competitive-rate financing available for ongoing needs or big investments in your future
  • Meets a wide range of business needs and goals, including:
  • Major equipment
  • Machinery
  • Expansion of your office or plant
  • Acquisition financing
  • And much more!

Short-Term Loans

  • Competitive-rate financing available for one-time, immediate needs
  • Maturities up to a year
  • Meets a wide range of business needs and goals, including:
  • Cover expenses during seasonal down times
  • Cover increases in inventory and/or receivables during up times
  • And much more!