One of the greatest challenges every small business owner faces is how to properly finance his or her business. Important decisions are made every day planning the future of your business, and wasted time often means wasted opportunity.

A State Bank Small Business Line of Credit can help your business avoid cash flow shortages. It can give your business a positive boost by providing the ready reserves you need when you need it.

The benefits of a State Bank Small Business Credit Line are:

• Flexible Credit Lines. Borrow from $10,000 to $100,000. Lines up to $50,000 are available without financial statements.
• Quick Access. You decide how and when to use your credit line. It is as simple as writing a special check and there is no pre-approval or annual clean up.
• Competitive Rates. This is a low variable rate product that is based on the Bank's Prime Lending Rate plus a margin of 0% to 5%.
• Convenient Payments. You can repay your line of credit at any time without penalty. Only interest payments are due each month, and you must maintain a State Bank checking account from which your payments will automatically be deducted.
• Easy to Apply. Complete a simple application and bring it to any of our convenient branches. You will receive an answer usually in just a few days.

To request information on these or any of our business products, click here. We also invite you to visit one of our branches and talk to a customer service representative.