Business Loans

The first concern you face when selecting a Commercial Lender is the need to know what kind of lending experience a bank has to offer. At GSB we have lenders with more than twenty years of experience. Our goal is to develop a financing plan that works for your business.

Man on cell phone and laptop computerWe can offer you:

  • Lines of Credit & Letters of Credit
    A line of credit may be the best means of providing short term borrowing to manage liquidity needs and the seasonality of many businesses. Does your business require letters of credit? GSB is prepared to assist you with the needs associated with this product.
  • Term Loans
    GSB can provide your business with financing for machinery, equipment, inventory and receivables that have terms and maturities that match the collateral and your business needs.
  • Construction Loan and Real Estate Loans
    You’ll find a variety of real estate financing options to build your business location or expand an existing one. We provide construction and permanent financing with a number of amortization options.

These may be “business loans,” but we still offer the same personal attention we provide all community members.

We process everything in-house, providing strategic guidance along the way. Whether you need to upgrade equipment, improve property, or cover expenses, we offer competitive interest rates and flexible terms to meet your needs.

Summary

  • Financing for almost any commercial use
  • Competitive rates help keep payments low
  • Local decision-making
  • In-house processing from a locally-owned bank
  • Term options to fit your situation
  • Personal assistance from knowledgeable staff
  • Automatic payment option available

Line of Credit

As a business owner, you never know exactly what lies around the corner. Handle unexpected cash needs as they arise and seasonal fluctuations with a line of credit.

Access funds quickly and easily when you need them. Best of all, you only pay interest on what you use. Prepare your business with a flexible line of credit.

Summary

  • Financing for almost any commercial use
  • Additional funds can boost working capital
  • Ideal for short-term or seasonal needs
  • Access funds as you need them
  • Pay interest on only what you use
  • Re-access funds without re-applying
  • Personal assistance from knowledgeable staff
  • In-house processing from a locally-owned bank
  • Automatic payment option available

Commercial Real Estate

Whether you are investing in commercial real estate to grow your business or your net worth, we have creative financing options to suit your needs.
We offer in-house approval and guidance to meet your company’s unique situation. Whether you’re upgrading your existing property, buying a new location or refinancing, we’ll make it happen quickly and affordably.

Summary

  • Financing for purchase or refinancing of:
    • Office and retail buildings
    • Warehouses
    • Medical offices
    • Commercial and industrial buildings
  • Local decision-making
  • In-house processing from a locally-owned bank
  • Short-term construction loans available
  • Competitive interest rates keep payments low
  • Many repayment schedule options
  • Personal assistance from knowledgeable staff
  • Automatic payment option available

SBA Loans

All businesses, big or small, are important to us. If your business is in need, we’ve got you covered.
We provide local expertise to help you qualify for loans through the U.S. Small Business Administration (SBA). This opens up low-interest loan funds to businesses that might not qualify for traditional lending.

Summary

  • Special financing for qualifying businesses
  • Partially guaranteed by the federal government
  • In-house processing from a locally-owned bank
  • Low down payment options
  • Term options to fit your situation
  • Personal assistance from knowledgeable staff
  • Automatic payment option available