Why choose us for your business loans.
As a pillar of the Grand Rapids community for over 100 years, Grand Rapids State Bank knows how to foster growth within our region. We’ve worked with small business owners to create loans that meet their company’s needs and goals, with more personable service than other financial institutions could ever match, because when you succeed, we all succeed.
Download the Personal Financial Statement Application (PDF)
Financing That Fuels Your Vision
From startup capital to expansion funding, we tailor loans to your business goals.
Decisions Made Locally, Backed by Trust
No call centers. No red tape. Just real conversations with local experts.
Grow with Confidence—Today and Tomorrow
Flexible terms, competitive rates, and reliable guidance every step of the way.
Our small business loan offerings
We offer a variety of small business loans for our customers designed to help you maintain and grow your company. Our team of business bankers has one main purpose in mind: delivering sound and viable solutions to help your business succeed.
Construction and permanent loans on most types of commercial property and buildings.
Seasonal or revolving loans, or to bridge gaps in receivables or finance inventory.
Loans for equipment, capital improvements, company vehicles or other business needs. Irregular or “skip payment” payback options are available to address seasonal cash flow.
Performance and financial standby letters of credit for most commercial purposes.
SBA loans (Section 7A or Section 504 loans) for long-term fixed-rate commercial building finance. Other non-bank gap financing is available through regional and quasi-public institutions (Northland Foundation, Entrepreneur Fund, etc.) that specialize in business development and job creation. We also help with limited documentation (low doc) loans for working capital, equipment financing and real estate acquisition.
Let’s work together to create the right loan.
We’re committed to providing businesses with trusted financial service and unmatched attention to detail. If you’re searching for a business loan, we’re the team you can trust to help you build a successful future. Call us or simply stop by our office to speak to a team member.
Meet our team of experienced business bankers.
Nate Lloyd
Executive Vice President,
Chief Credit Officer
Stephanie Gambill
Vice President,
Business Banking
