Lines of Credit

Meet a wide range of seasonal business needs with the help of a Line of Credit from State Bank Financial. We offer both revolving and non-revolving lines of credit to best accommodate your unique situation.

Enjoy a competitively low rate and instant funds accessibility. Interest is only owed on the part that's used. And all decision-making and processing is handled locally, by people from within your bank that you know and trust.

  • Competitively low rates for a wide range of seasonal needs
  • Flexible financing, structured to be consistent with your operation's cash flow
  • More monetary flexibility; instantly meet needs as they arise
  • Flexible collateral requirements
  • Only pay interest on the part that's used
  • Revolving and non-revolving terms available
  • Attentive service from a qualified staff that puts you first
  • Local decision-making and processing
Revolving vs. Non-Revolving Line of Credit

Revolving line of credit

  • Can be reused without re-applying up to the amount issued
  • Paying off amounts opens up more credit
  • No set time period

Non-revolving line of credit

  • Given a max limit (one-time disbursement)
  • The balance must be repaid in full by maturity date
  • Before then, interest-only payments
  • Set maturity date (must be repaid by then)