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Commercial Loans

Short and long-term loan options with flexible rate structures.

Grow Your Business 

Sauk Valley Bank’s commercial loans are designed with flexible long or short-terms to fit your business’ unique needs. Our lenders work with you to determine what type of commercial loan fits your situation to help you grow your business and reach your goals.

How Can Commercial Loans Be Used?

Depending on the type of loan, the funds can be used for a variety of business enterprises. Equipment loans are best suited for purchases of equipment with a useful life of one year or more while construction loans can be used to build commercial facilities. 

Types of Commercial Loans


Term Equipment Loan

A term loan for the purchase of equipment with a useful life of 1 year or more. Principal balance is amortized over multiple years with monthly or quarterly payments of principal and interest. The interest rate is typically fixed for the life of the loan (up to 5 years). The length of the loan will vary with the life of the asset that is being financed. Term loan financing is secured under Security Agreement.


Construction Loan 

Funding for the construction of a commercial building with multiple advances (usually a loan of 12 months or less). Advances on the loan are made in conjunction with a Title Company and Contractors Affidavit. Interest is typically paid monthly. Interest rates can be fixed or variable based on the length of the loan.

Financial Well-Being

At Sauk Valley Bank putting customers first is what we stand for, it’s a part of our foundation that drives customized solutions and personalized services. We’re committed to helping our customers make their financial lives a little easier. Together, with the help of one of our knowledgeable bankers, you’ll select the product that’s perfect for you. 

Why Choose Sauk Valley Bank?

At Sauk Valley Bank, we work hard to find the solutions that fit your unique banking needs. With a variety of banking and lending options, our team has the experience and flexibility to find the right solution to fit your needs.

We are committed to serving our communities with the highest quality of service. We focus on you and your needs – and offer you flexible and convenient solutions. Our aim is to build lifelong relationships, one customer at a time.

Ready To Get Started?

If you're ready to get started, our team can help you make the switch to Sauk Valley Bank today! Already have an account but think a Commercial Loans is right for you? Our team can assist you in finding the right options to fit your needs and lifestyle. Find the nearest location or contact our Solutions Center.

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