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Business Loans

Collectively, we have over 60 years of lending experience, so we can go to work for your right away. As the only locally chartered bank in DeSoto County, we make our decisions in DeSoto County, for DeSoto County. We offer you the attention you deserve for all your lending needs. Contact our Lending Center for more information at (662) 349-6333 or (662) 996-1272.

Lines of Credit
Lines of Credit can provide financing for up to one year for a variety of purposes, including ordinary cash flow needs. This type of credit, which may contain a revolving feature, includes the following:

  • Working Capital
  • Inventory
  • Accounts Receivable Financing
Non-Real Estate Term Loans
Non-Real Estate term loans may be the ideal solution for your business needs; offered at comparative rates.
  • Equipment Financing up to 60 months
  • Rolling Stock up to 72 months
Commercial Real Estate Loans
Commercial Real Estate loans come with multiple options to suit your business needs.

Term Loan
  • Refinance, Purchase, Expansion-Amortization up to 20 years
  • Raw Land-Interest only for up to 1 year
  • Farm Land-Amortization up to 15 years
Construction Loans
  • Terms up to 12 months
  • Mini Perms (Combines construction and permanent financing)
  • Development and lots
Business Leasing
Another attractive offering that allows you to conserve working capital is our Business Leasing Option. 100% Financing Available for New or Used Equipment - Variable Terms - Off Balance Sheet Financing

In response to market demand, we have an innovative solution for businesses that want to conserve working capital. Payment options are tailored to meet your business demands and cash flow needs. You can lease new or used equipment acquisitions with variable terms. By leasing your equipment instead of financing or purchasing, you have the freedom to evaluate a product before you decide to own it.
Leasing provides greater flexibility than owning. You have the option to upgrade your equipment through the lease term. And when the term is up, you can return your equipment with no questions asked, renew your agreement or elect to purchase equipment instead.
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