OneSouth 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, OneSouth Bank’s commercial bankers are committed to working with your business to meet its financial needs.
Explore Business Loan Details
Business Term Loans
OneSouth 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.
Commercial Real Estate Lending
OneSouth 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
Development Loans
- Lending for residential real estate projects
- Land loans
- Acquisition and development funding
- Lot financing
Construction Loans
- Lending to improve real property
- Aggregate commitment amounts
- Progressive draws
- Maturity coincides with project completion
Business Line of Credit
OneSouth 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
Working Capital Loans
- 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.
Agriculture Loans
OneSouth 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 Guaranties.
- Production Loans
- Purchase Equipment & Fixed Assets
- Consolidate Debt
Agriculture Real Estate Loans
- Purchase Loans
- Refinance
- Construction
Small Business Association (SBA) Loans
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. OneSouth Bank partners with the Small Business Administration to offer certain loans.
SBA loans are specifically designed for small business owners. OneSouth 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.