Downs Skyline

Business Lending

We know you want to grow your business, let us help.

Expanding your business won't happen overnight, but getting loan approval about your next steps can – we make decisions quickly, often in a few days, allowing you to focus on making your dreams a reality.


Better banking starts today. Call to learn more.

Real Estate Lending

We partner with businesses of all kinds providing mortgages for office, retail, or industrial real estate, including working with real estate investors looking to purchase rental or fix-and-flip properties. Whether you're buying or building a new office, refinancing an existing location, or looking to use real estate equity for a line of credit, we can build a lending solution that works for you. Our commercial real estate lending includes:

Home Lending    Office, Retail, Industrial - owner occupied and investment property term financing

Residential loan    Construction - Residential: Short-term construction loans for General Contractors

Construction loan    Construction - Commercial: Short term construction loans, One-time close construction to permanent loans

Money    Rentals - Residential or multi-tenant term financing

Hammer    Fix & Flip - Residential short-term financing with maturity up to one year

House    SBA 504 - minimum down payments on qualifying owner-occupied properties

Real estate lending Home or Commercial
Lines of Credit

Business Lines of Credit

The State Bank of Downs offers manageable secured lines of credit customized for your particular situation. Our aim is to get you the financing you need with minimum hassle. Our banking professionals can often get you approvals faster than it takes most banks to review your application, and because we service the loans we make, you'll always have a friendly, reliable face to turn to with questions or concerns.

Our lines of credit can also help with cash management

Our cash management services can help you manage inventory, handle accounts receivable growth, and take care of general operating issues.


Buying fixed assets is an important step for many business owners as they grow, but investing hard-earned capital in new or used equipment can be stressful, which is why we've simplified the process.

Whether you're looking to purchase a fleet of commercial vehicles, machinery, or large equipment for your business, we work to get you answers quickly so you can stay focused on your business' bottom lines. We have various purchase or refinance options available with differing amortizations.


Business owners purchase aircrafts for a range of purposes, including to help them be more flexible and efficient in working with their customers.

Regardless of the reason, State Bank of Downs excels at financing the purchase of an airplane, working to expedite the process at each stage.