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Southwest Georgia Bank
Ross & John

Commercial Loans

We're in business to help your business.

We take the time to understand your business operations and tailor our loan products to your company’s specific needs. You will benefit from direct access to our Senior Management, local decision making and competitive loan pricing.

Commercial Lines of Credit
Revolving lines of credit designed to provide operating capital for businesses. When a business is growing, accounts receivable and inventory levels fluctuate, resulting in the need for short term financing. Contact one of our loan experts to discuss your business loan needs.

Commercial Term Loans
If you are expanding, need to purchase equipment, or just need extra working capital, we can offer a term loan with fast, local approval and convenient payment terms.

Commercial Real Estate Loans
For the purchase, refinance, improvement, or construction of commercial real estate, such as manufacturing facilities, warehouse space, professional offices, and retail centers. Both investment and owner-occupied properties qualify.

Agriculture Loans
SGB is headquartered in a true farming community and we support farming in a variety of ways. Our agricultural lending specialists work with farmers and others in the agricultural community to achieve financial success through time tested principles and expert advice.

Construction Loans
Lending programs for builders, developers, or owner-users for acquisition, development, and construction of residential and commercial properties.

Automatic Advanced Line of Credit
Link a convenient line of credit (subject to approval) to any SGB checking account. This revolving line provides a safety net to your checking account in the event the account becomes overdrawn helping you avoid overdraft fees.

Letter of Credit
Facilitate the purchase of inventory or other current assets with a letter of credit.