Commercial Loans

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

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Kevin Pesko
Market President St. Clair County
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Ryan Osterhage
Market President Monroe Country
Chief Lending Officer

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Paul Abert
Market President Madison County
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Todd Juehne
Market President Clinton County
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Todd Neighbors
Senior Vice President Commercial Banking
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Mark DaVitz
Senior Vice President Commercial Banking
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Jackie Lemmon
Vice President Commercial Banking
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Mark Cousley
Vice President Commercial Banking
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Greg Malone
Vice President Commercial Banking
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*All loans are subject to credit approval.