business Loans



Loans for Professionals, Small Business and Farming barely scratch the surface of the business loan products that Southern Bank has to offer. We want to help you get off your feet and get the ball rolling. Southern Bank cares about your business, no matter how small. All amounts, terms, and rates of interest are determined based on criteria available to our Loan Officers. We work with you on your loans. Allow us to lend you a hand today. Learn more about your loan options:

Below are 7 sections vertically aligned. You may browse those sections by clicking on one of the links below.

  • Business Leasing
  • Reserve Plus
  • Construction Loans
  • Commercial Loans
  • Agriculture Loans
  • Merchant Account Services
  • Visa® Business Credit Card
  • Business Leasing



    Business leases provide the versatility to acquire new equipment without large capital outlays. Whether for office machinery or work vehicles, our business leases are tailored for you. And, the tax advantages are often more attractive than conventional loan purchases.

    Account is subject to approval.

    All checking accounts are subject to approval.

    Reserve Plus



    Reserve Plus is designed to meet the changing needs of your business. It offers convenient working capital and a pre-approved limit for peace of mind. Reserve Plus provides a flexible payment schedule, and no interest charges until funds are advanced.

    Subject to approval.

    Construction Loans



    Southern's Construction Loans fit virtually any business need or situation. From property acquisition to final structure, our financing efficiently and economically funds construction or development projects.

    Commercial Loans



    Need to finance equipment purchases or consolidate existing business debt? A Commercial Loan may fit the bill. Lending options are numerous, and we'll do all we can to help you run your business smoothly.

    Agriculture Loans



    For our agribusiness customers, we provide a quick and dependable source of financing. If you're purchasing livestock or improving your property, we offer competitive rates, flexible loan terms, and convenient payment plans.

    Merchant Account Services



    Our goal is to make processing credit cards as convenient for you as it is for your customers. You can choose voice authorization or electronic authorization with data capture. With everything from imprinters to signs and supplies, we're ready to serve you.

    Visa® Business Credit Card



    The Southern Bank Visa® Business Credit Card provides the convenience and flexibility needed in a credit card, whether it's used for routine daily business expenses or for special purchases, travel, or entertainment.

  • 10.00% APR on purchases, balance transfers and cash advances
  • No annual fee
  • Earn rewards with optional enrollment in BankMiles®1
  • No interest charges on purchases if balance is paid in full within 25 days
  • Credit line available up to $75,000
  • Get employee cards at no additional cost to you and with credit limits you set
  • Option of having all cardholders' charges consolidated on a single statement or have each cardholder receive an individual statement and pay his/her own charges
  • Receive monthly statements for easy expense tracking
  • Auto Rental Collision Damage Waiver2
  • Purchase Security and Extended Protection (All Risk)2
  • Travel and Emergency Assistance Services2
  • Normal credit approval applies.

    1Optional BankMiles membership involves an annual fee of $50 which will be charged to your Southern Bank credit card upon enrollment. At that time, 3,500 bonus points will be credited to your BankMiles account.

    2Certain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure transactions. Please refer to your Visa Business Card Guide to Benefit for further details

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