Business Loans


Funding To Help Your Business Grow.


Large or Small, We Can Handle It All!

Every successful business needs a sound credit program to meet short-term challenges and long-term goals.  Whether you’re financing new equipment, opening another location, or capitalizing on an opportunity, Home State Bank loans and financing options have you covered. Whether you are a sole proprietor or a large corporation, we’ll work with you to develop an innovative credit program that’s unique to your needs and positioned for your success. Best of all, you’ll receive personal service from a local banker you know and trust. 

Features and Benefits 

  • Flexible Terms
  • Competitive Interest Rates
  • Small Business Administration (SBA) Approved Lender
  • Local, In-House Approval

Business Term Loans
We offer both short-term and long-term financing options to meet the changing needs of your business. From equipment needs to acquisitions and expansions, our term loans are the perfect financing option, providing a variety of ways to accommodate your company’s specific needs. One of our commercial lenders can help you determine the loan structure that will work best for your business.   

Operating Lines
Our business lines of credit give you the ability to manage your business the way you want.  A line of credit can provide you with the short-term liquidity your business may need: inventory purchases, accounts receivable funding, operating expenses, and other short-term business liquidity needs.  A business line of credit is ideal for businesses both small and large, giving you access to funds when you need them the most. 

Commercial Real Estate Loans
Our commercial real estate loans are provided to assist you and your business with purchasing a new property, expanding your existing facility, or refinancing an existing location. We offer competitive rates for both owner and non-owner occupied properties, with a variety of terms to fit your specific financing needs. 

Commercial Equipment and Vehicle Financing
If your business depends on vehicles or specialized equipment, we can provide the right commercial financing option whether you are in need of an equipment upgrade or looking to expand your existing fleet. 

Construction Financing
Building a new building for your business can be a complicated process. At Home State Bank, we offer flexible loan options and knowledgeable staff that can help your business through the construction process. Whether breaking ground for the very first time, opening a new location or expanding your current location, we will be there with you every step of the way.

There’s no doubt that owning a small business is stressful. At Home State Bank, we offer BusinessManager® an accounts receivable program to help to ensure your company runs smoothly with a predictable cash flow into your business. 

Business Letters of Credit
Demonstrate your creditworthiness, free up capital and improve your business’ cash flow with a Home State Bank letter of credit. Whether you want to expand or capitalize on opportunities, we can provide smart methods to obtain necessary funds. 

Whether your financial needs are in the thousands or the millions, we can handle it all! 


Call or Visit Your Experienced Commercial Lender Today!