Security Bank & Trust Co.

Business Loans

Creative, reliable, and flexible. We work to keep your financing package transparent so you can get back to business.

Real people. Real conversations.

We use a straight forward process that always starts with a conversation. Often we sit down at your business and discuss your goals, aspirations, and needs. From there, we talk internally with our team of lenders, credit experts and executives to brainstorm ideas. Everything is done locally and aligned with the goal of shared success. Growing, together isn't just a motto, it's an action.

Let's Focus on It
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Commercial Loans

We’re here for your growth whether that is acquiring a business, financing equipment, opening a new location, expanding an existing one, or building inventory to meet your growing customer demand. Talk with us today. We’ll talk through the options and make a quick decision for your business

  • Business Term Loans
  • Business Line of Credit
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Real Estate Loans

Whether you are beginning new construction, redeveloping, or simply looking to refinance your property; we take the complexity out of the financing process. Security Bank & Trust Co. offers a wide range of credit structures with varying maturities. Our services and areas of expertise include:

  • Owner-Occupied Buildings
  • Construction and Bridge Financing
  • Office/Warehouse Buildings
  • Retail Centers
  • Multifamily & Student Housing
  • Single Family, 1-4 Family Rental Properties
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Equipment Loans

Machines, trucks and other equipment help make your business run efficiently. Equipment financing is designed to allow your business leverage its cash to purchase the equipment it needs or refinance existing equipment using the equipment as collateral for the loan.  See us today on our equipment financing options.

SBA Financing Options

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The Small Business Administration provides guaranty support so your business can stretch more and go farther. The U.S. Small Business Administration is a federal agency committed to furthering the growth and development of small businesses and partners with lenders nationwide in their loan programs. Security Bank & Trust Co. considers all avenues for your business including SBA 7a and local Community Development Corporations on SBA 504 alternatives to get your business more options.

7(a) Loan

The SBA 7(a) Loan Program includes financial help for businesses with special requirements — including businesses that handle exports to foreign countries, businesses that operate in rural areas and other very specific purposes. Loan proceeds can be used to create a new business, or to help with the acquisition, operation, or expansion of an existing business.

  • Loan amounts up to $5 million
  • Terms up to 10 years for business, acquisition, equipment or tenant improvement
  • Terms up to 7 years for working capital and inventory,
  • Terms up to 25 years for real estate
  • Flexible collateral options

504 Loan

The SBA 504 Loan Program is a powerful economic development loan program that offers small businesses with long-term, fixed-rate financing for acquiring fixed assets for expansion or modernization — including building purchase, land purchase, and land improvements, as well as purchasing furniture, machinery, and equipment.

  • Loan amounts up to $11.25 million
  • U.S. Bank loan terms 25 years
  • CDC loan terms 20 years
  • Equipment loan terms 10 years

Security Bank & Trust Co. offers long-term loans, with a negotiated interest rate, as a 1st mortgage/lien to complement the SBA 504 program financing.


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“Partnering with a locally owned, independent bank was a value for us from the start. That instinct has proven itself time and again, as Security Bank consistently responds to business trends and changing needs, complimented by convenient tools and competitive rates. Over the years, our banking relationship with Security has been instrumental in our success!”

Shonna Casewell, Unhinged Pizza