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Commercial Lending

Apply for a business loan to access working capital that matches your company's needs.

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Diverse Capital for Diverse Needs 

At Midland States Bank, we understand that every business has unique needs. We accommodate businesses of all sizes and various credit levels by offering numerous lending options, each with competitive rates and fees.

Business Loans & Lines of Credit Options

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Commercial Loans

Secured & Unsecured Loans




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Flexible Financing

Lines of Credit

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CRE Financing

Commercial Real Estate Loans




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Farms & Rural Areas

AgriBusiness Lending

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Loans & Leases

Equipment Financing




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Startups & New Companies

Small Business Financing

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Commercial Term Loans

A term loan is a lump sum that you agree to repay over a set time period. Our term loans offer a low-interest alternative to business credit cards. You can apply for two types of term loans through Midland States Bank:

Secured Business LoansBorrowing with a business asset as collateral to achieve a lower interest rate.

Unsecured Business LoansBorrowing without collateral so you retain your business assets if you default.

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Commercial Lines of Credit

A business line of credit and a credit card share common attributes — you spend against a credit limit which replenishes as you make payments. Our business lines of credit features competitive interest rates and the option for interest-only payments during the first 12 months.

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Commercial Real Estate Loans

Businesses use commercial real estate loans for purchasing or renovating property for company use. You can also use these funds to buy investment properties. You'll refinance, extend or repay your loan at the end of a term of up to five years. Meanwhile, you'll pay monthly based on a 15- to 20-year amortization term.

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Looking for a small business loan?

Our small business team is ready to find the financing solution for you.

Small Business Lending Options


Partnering With Midland States Bank

At Midland States Bank, we're a business lender that thrives on personal connections with the companies hard at work in our communities. Over the last 20-plus years, we've established a network of offices throughout Illinois and Missouri where we help businesses obtain the funding they need to succeed. You can always count on us for an excellent customer experience and a low-stress lending process.

Common Questions

Getting a business loan is an excellent decision for companies across various industries. These loans provide timely access to the funding your business needs for its most important expenses. Rather than paying out of pocket for expensive inventory, real estate, equipment or other assets, you can finance your purchases over a few years.

Business lending does more for your company than provide capital. Borrowing can improve your credit score for larger loans. We offer options like business lines of credit and secured loans that enhance your credit score as you repay your balance.

Taking out a commercial loan will ultimately help your business achieve its goals by providing the resources it needs to flourish and expand.

We'll collect information that helps us understand your business and gauge lending risk. Factors we consider include:

  • The industry.
  • Your years in business.
  • Yearly revenue.
  • The business's credit score, plus any individuals listed on the loan.
  • The business's ratio of debt versus income.

To get started, connect with a Midland States Bank relationship manager by completing the form below.

We determine interest rates by assessing each borrower's situation and current market trends. After considering your application, we'll put you into a tiered interest bracket according to your risk level on a scale from one to 10, with one being the lowest risk.

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Not sure where to start? We can help.

Contact Midland States Bank to learn more about our solutions-based commitment to you. We have the expertise to tailor a package that best fits your goals.


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