Southland offers several term loan options for your business. Southland maintains a close working relationship with many lenders; therefore, we are not limited by the lending parameters of a given bank.

   This provides maximum benefit to the borrower. Some of the loan programs offered are as follows:

SBA or Small Business Administration Loans

   Southland provides SBA loans in amounts of $250,000 to $8,000,000. SBA loans can be used for owner occupied businesses. Funds can be used for business purchase, start-up or refinance.

   Additionally, funds might be used for real estate construction or purchase, equipment purchase or working capital.

B & I Loans or Business and Industry Loans

   This loan program is similar to the SBA program, but is designed for communities under 50,000 population. The USDA provides the guarantee for these loans. They may be as large as 10 million dollars. Loans that will create or save jobs receive a higher priority for approval.

Conventional Commercial Loans

   Southland offers various loan opportunities for motel, retail, office, apartment, etc., at competitive rates. These loans may be secured by real estate, inventory, accounts receivable, or equipment. Loans of this type typically have a minimum size of $500,000.

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