We understand the unique financial needs of our commercial customers and are prepared to meet them in a way that will enhance the profitability of their business. Please take a moment to browse the following products we have made available exclusively to our business owners.

Commercial / Small Business Loans-Designed especially for our customers who need financing for their new or existing business.
· Flexible terms
· Repayment structured to actual cash flow of business
· Confidential counsel from an experienced lender
· Small Business Administration referral and assistance available
· Consistent funding source for business growth
· Gain insight and direction from hometown professionals
Application Online

Visa / MasterCard Business Account-Provides you with purchasing power and instant credit for your business
· Credit and questions handled locally
· No annual fee
· Separate cards are available for each employee
· Convenient, can be used for business expenses and travel
· Expense record for each employee on separate statements
· Payments accepted at any State Central Bank location, by mail or at www.mycardstatement.com

Visa / MasterCard Merchant-A service that gives merchants an additional way to accept non-cash payments from their customers.
· No authorization fees
· No monthly maintenance fees
· No charge-back fees
· No inactive user fees
· Supplies are provided free of charge (ribbon and tape)
· Merchant only pays their discount rate
· Convenience for payment by customer
· Local assistance with questions
· Verification of transaction guarantees payment
· Deposits are processed electronically, providing credit in 3 to 5 business days