Business Banking

Operating Lines of Credit (LOC)

Give your business the financial flexibility to manage cash flow, cover unexpected expenses, and seize new opportunities. With competitive rates and fast, local decision-making, and a deep commitment to supporting our communities, SGBC is ready to invest in your success.

Key Benefits:

• Access funds when you need them, only paying interest on what you use.
• Cover short-term expenses like payroll, inventory, or equipment.
• Bridge cash flow gaps during peak seasons or expansion periods.

Small businesses are our specialty! Contact us today to learn more about an Operating Line of Credit that works for you.
*Subject to credit approval.

Real Estate Loans

We’re here to help your business grow with a strong financial foundation. Whether you’re looking to purchase, expand, or refinance commercial properties, our local lenders are dedicated to supporting your success. After all, when your business thrives, our community thrives too. Let’s build something great together and make your vision a reality!

Key Benefits:

• Competitive rates and flexible terms tailored to your business.
• Build equity while securing a prime location for operations.
• Expand, renovate, or invest in income-generating properties.
• Fixed and variable-rate options to fit your financial strategy.

Finance your commercial property with confidence! Contact us.
*Subject to credit approval.

Equipment

Purchase or upgrade the essential tools and machinery your business needs to stay competitive and take your growth to the next level! With quick, local decision-making from lenders who truly understand your unique needs, we’re not just financing your business—we’re investing in the success of our community.

Key Benefits:

• Preserve cash flow with affordable financing options.
• Own the equipment you need to increase efficiency and productivity.
• Competitive rates and flexible repayment terms.
• Finance new or used equipment for a variety of industries.

Power up your business with the right equipment – let’s talk about financing today! Contact us.
*Subject to credit approval.

SBA 504

If you’re looking for a smart solution that offers long-term, fixed-rate financing, then an SBA 504 loan might be right for your business.

Key Benefits:

• Enjoy predictable payments with fixed, long-term interest rates, giving your business stability and easier financial planning.
• More options to refinance commercial real estate loans, equipment loans, etc.
• Backed by the SBA, making financing more accessible for small businesses.

Let us help you streamline the application process. Connect with one of our lending specialists today.
*Subject to credit approval.

Agriculture Lending

We love Ag Lending because it fuels families, strengthens local economies, and preserves the future of farming in South Georgia. At SGBC, agriculture isn’t just a part of what we do—it’s a core piece of our success and an industry that positively impacts the entire region. Our experienced local lenders know South Georgia farming inside and out, and we’re here to help you navigate financing with expertise in government programs and customized solutions to meet your needs.

Loan Solutions

• Equipment Loans – Upgrade your farm with the latest machinery to increase efficiency and production.
• Land Acquisition – Expand your operation with financing for farmland purchases and development.
• Operating Line of Credit – Manage cash flow, cover seasonal expenses, and keep your business running smoothly.

We believe in agriculture, we believe in our farmers, and we believe in helping you grow for generations to come. Let’s build your farm’s future—together. Contact us today to get started.