Business Loans

We offer a full range of commercial loans for businesses.

Small Business Loans Commercial Financing Agriculture Loans GrowNow Ohio

Commercial Financing

All loan decisions are made by lending professionals with working knowledge of the local real estate  market. Decisions are make quick with local decision makers and processors helping you get the funding your business needs. We offer a detailed and professional service from start to finish.

Commercial Real Estate Loans

Every business has to start somewhere — but that doesn’t mean that’s where it has to end up. Get a flexible commercial real estate loan to build, expand, purchase, or refinance your new or existing space.

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Available for owner-occupied or investment properties
  • Repayment terms customized to fit your business's unique needs

Business Equipment & Operating Loans

Keep production humming with help from local financing. We offer both equipment and operating loans to help your business run smoothly and efficiently. Stay ahead of the competition and avoid lapsed periods in production by making needed cash available.

  • Competitive rates for new or used equipment and operating cash for:
    • Inventory
    • Payroll
    • Ongoing updates
    • And more
  • Customized terms, designed around your business's unique needs

Business Lines of Credit

A business line of credit can help you ride the ebb and flow of cash fluctuations with ease. Get in touch with us to learn more about how this flexible financing option can help you.

  • Competitive rates for a wide range of long-term or seasonal business needs:
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
    • And more
  • Provides greater financial flexibility
  • Repayment customized based on your business’s unique needs
  • Funds available right as you need them; apply once then use again as needed thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Only pay interest on the part that's used
  • Funds easily available via in-person transfers or by check

Enterprise Value Loans

Magnify your mark on our local business landscape with the help of an enterprise value loan or acquisition loan through Buckeye State Bank. We offer competitive rates and service that last long after deals are signed.

  • Competitive funding for:
    • Partial partner buy-in/buy-out of a business
    • Acquisition of a business
    • Build out of a commercial space
    • Refinancing of an SBA loan
    • Refinancing of a private/seller financing
    • And more
  • Term loans up to 10 years in term and amortization
  • Collateral is based on the enterprise value of the business
  • Subject to credit approval

Small Business Administration (SBA)

Small businesses always start with a big idea. At Buckeye State Bank, we see your vision and want to help you bring it to life with an affordable SBA loan.

Learn More about SBA Lending

  

Agriculture Loans

Agriculture is an important industry in our communities, which is why we’re proud to offer competitive-rate agriculture loans to local farmers. Expand your land, purchase livestock, upgrade equipment, and more with repayment terms customized to fit your operation's unique needs and lenders experienced in local agricultural standards.

Competitive rates for a wide range of agribusiness-related needs:

  • Working capital
  • Farm Equipment
  • Inventory
  • Vehicles
  • Real estate
  • Irrigation systems
  • Crops
  • Machinery
  • And more

Subject to credit approval
 

GrowNow Ohio

Buckeye State Bank is a participant of GrowNow Ohio, a path to more affordable small business borrowing from the Ohio Treasurer. GrowNOW helps small businesses get started and expand by providing up to a 3% interest rate reduction on new or existing small business loans up to $400,000 for two years, with the opportunity for renewal. In return, businesses must commit to creating or retaining at least one full-time or two part-time jobs in the state of Ohio for every $50,000 borrowed.

Visit the Ohio Treasurer’s website to learn more or apply online.

Learn More about GrowNow Ohio

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