Business Loans

Call 478-254-7775 to learn about business loans!

One South Bank offers business loans tailored to fit your unique financial needs. Whether your company is looking for a short-term working capital financing arrangement or a complex long-term solution, One South Bank’s commercial bankers are committed to working with your business to meet its financial needs.

One South Bank offers a variety of amortizing term loans to help your business grow or to provide needed access to funding.

  • Expand facilities
  • Purchase equipment and fixed assets
  • Consolidate debt
  • Increase working capital

Term loans may be used as permanent financing to convert a construction loan at the time of project completion or for the purchase of an existing property – competitive rates and multiple amortization options available.

One South Bank provides a wide range of commercial real estate financing including new construction, acquisition or refinancing options.

  • Purchase of office or building
  • Refinance an existing commercial real estate loan
  • Residential and commercial real estate projects
  • Construction loans
  • Short-term bridge loans
  • Permanent fixed rate financing

Income Producing Real Estate Loans

  • Retail
  • Office
  • Multi-family
  • Industrial

Business Loans for Development

  • Lending for residential real estate projects
  • Land loans
  • Acquisition and development funding
  • Lot financing

Business Loans for Construction

  • Lending to improve real property
  • Aggregate commitment amounts
  • Progressive draws
  • Maturity coincides with project completion

One South Bank offers working capital and asset lending to help your business manage its cash flow needs.

  • Finance receivables
  • Manage seasonal cash fluctuations
  • Flexible repayment structures

Business Loans for Working Capital

  • A committed credit facility allowing your business to borrow, repay and borrow funds again as needed
  • Advance and repay principal to match the cycle of your company’s collection of assets
  • Working capital loans may be permanent or you may wish to structure the line to reduce over a specified period
  • Can be structured with a longer maturity date, options typically include converting all or a portion of the amount outstanding to a term loan

business loansOne South Bank offers Agriculture Loans and we have the experience to provide you professional advice and assistance with your farming financial needs. We provide annual payment loans to coincide with production cycles. We also assist with FSA Guarantys.

  • Production Loans
  • Purchase Equipment & Fixed Assets
  • Consolidate Debt

Agriculture Real Estate Loans

  • Purchase Loans
  • Refinance
  • Construction

The United States Small Business Administration (SBA) ( was created by the federal government to strengthen the nation’s economy by providing aid, counsel, and assistance to small businesses. One South Bank partners with the Small Business Administration to offer certain loans.SBA loans are specifically designed for small business owners. One South Bank will partner with your business to identify the program that best fits your company’s needs.

  • Programs include the SBA 7(a) and 504
  • Great for providing working capital
  • Longer term financing available for the purchase of real estate, equipment, or inventory

To prepare for your appointment with a Commercial Banking Officer, here are a few things to bring:

Existing Business:

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business

Business Acquisition:

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business
  • Signed purchase agreement
  • Projections for at least one year – cash flow, balance sheet, and income statement

All Requests:

  • Articles of Incorporation – if a corporation.
  • Partnership Agreement – if a partnership
  • Articles of Organization – if a LLC
  • Use of Proceeds

The contents of this page are subject to revision and change without notice and may be contingent upon situations beyond our institution’s control.  The revisions and changes that may occur are necessary to provide our customers with the best products and services available, while remaining in compliance with Federal and State regulations.