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Commercial Loans


We here at Kingsley State Bank understand that small businesses are the backbone of our local economy and community. Keeping your business running and profitable means getting the equipment you need when you need it. Whether you’re updating, repairing or buying new equipment, our loan officers have the knowledge you need to keep your business on the right track.

We offer great low rates, and will work with you to set up flexible payment options to save you money. When you’re applying, you will work directly with a trusted banker from right within your community.

Commercial Lending


Kingsley State Bank has been a part of this community since the 1880’s, and watching our local economy change and grow allows us to provide financial help to business owners just like you. Our Business Operating Loans can help provide capital for operating expenses, or for investments in new facilities and real estate. Our team of passionate professionals works hard to get you the best rates and loan packages available.

Hand picking the financing that best suits your business is what we do, so stop in and get acquainted with our friendly loan officers today. We know our customers by name, and we are dedicated to serving you.

SBA Loans

Whether you operate an established business or are just getting started, Kingsley State Bank is committed to you and the financial needs of your business. We realize that each business is different and has different needs so we offer a variety of loan products to meet your needs.

One of your options is an SBA 7(a) guaranteed term loan that can help your business take advantage of longer term loans to fund working capital, business start-ups, equipment and real estate. SBA 7(a) loans can be more flexible than conventional loans.

A second option would be a SBA 504 term loan that your business can take advantage of, which offers long term fixed interest rates and lower down payments than typical conventional loans for the purchase of equipment and/or real estate, or making improvements to existing real estate.

You will work with one of our experienced bankers who will make lending decisions easier for you and help you accomplish your company’s growth goals. We pride ourselves on developing a relationship with you and knowing your business needs, and try to exceed your expectations.

Real Estate

When you've found the perfect place to invest in, to start your business, or expand your business, make your move with a commercial real estate loan from Kingsley State Bank.

Commercial real estate loans can provide the financing you need for the construction, purchase, remodel, or refinance of your commercial property. Our lenders live in the area and have a vast understanding of the local economy.

We also offer Business Online Banking and a Mobile Banking App to make conducting business on the go easy and convenient for your busy life.

Meet Our Lenders