Commercial Loans

Local businesses are the backbone of strong communities, and we work hard to make financing easy and understandable for business owners. We offer prompt, personalized services and a comprehensive product line to help your business thrive. We deliver loan products designed to meet your business’ needs and a variety of business solutions to give your company a competitive edge. Whether you need equipment financing, working capital for day-to-day operations, or a loan for capital expenditures, we assure you that our experienced team members will handle your needs with care and expertise.

Business Loans

Buy, build, or refinance commercial real estate for your business
Purchase or lease capital equipment
Flexible terms and rates to meet your cash flow needs
Ability to fund loans quickly

SBA Loans

We can help you find the best Small Business Administration loan for your business. SBA loans can be used in many ways — business real estate, construction, equipment, and more — and come with many benefits:

Longer maturities than most bank loans
Lower down payments
Lower monthly payments
Longer terms
No balloon payments
No covenants
Multiple interest rate options (floating, adjustable, or fixed)

We offer multiple SBA loans. Not sure of which is best for you? Compare all of our SBA loans here.

Commercial Real Estate Loans

Build, buy, or refinance your business investments with one of our commercial real estate loans.

Fixed or variable interest rates
Fixed rates for initial terms up to 60 months with amortization schedules up to 25 years
Flexible terms available

Our Commercial Real Estate Programs include:

Owner-occupied commercial real estate
Non-owner-occupied multi-family dwellings
Mixed-use properties
Investment properties
Commercial buildings

Meet Our Commercial Lenders

Ronald Stephens Bank President Chief Executive Officer Get Started	Kevin Pesko Market President St. Clair County Get Started	Ryan Osterhage Market President Monroe Country Chief Lending Officer Get Started
Paul Abert Market President Madison County Get Started	Todd Juehne Market President Clinton County Get Started	Todd Neighbors Senior Vice President Commercial Banking Get Started
Mark DaVitz Senior Vice President Commercial Banking Get Started	Jackie Lemmon Vice President Commercial Banking Get Started	Mark Cousley Vice President Commercial Banking Get Started
Greg Malone Vice President Commercial Banking Get Started	Justin Chapman Vice President Commercial Banking Get Started

*All loans are subject to credit approval.

Commercial Loans