Business Loans

Whether you are establishing your business or managing an existing business, you require a broad range of financing options to support your growth opportunities. You need financial solutions that are designed with an eye for your specific needs; delivered by an experienced commercial lender that has the time to understand the intricacies behind your business and industry. We have the capital, knowledge and ability to help.

Meet Our Lenders


Commercial Real Estate

Finance the purchase, renovation or construction of your manufacturing facility, office, apartment building, retail plaza or distribution facility with Mercer County State Bank. Our ability to respond to the needs of the commercial real estate industry rests on our history of sound financial decisions. In addition, as a participating Small Business Administration (SBA) Lender, we offer SBA 504 loans for owner/occupied real estate.

Lines of Credit

Options include revolving lines of credit, equipment purchase lines of credit that have a term-loan feature, or seasonal lines of credit. Each of these lines carries a variable rate of interest and is tailored for your business needs.

Business Term Loans

Term loans are available to support your needs for longer-term working capital, equipment purchases or business-expansion financing. Terms and rates are available to fit your business needs.


We can finance your purchase of new and used equipment for most industries including agriculture, excavating, mining/logging, as well as for the medical and tool and die industries.

SBA Loans

Mercer County State Bank is a participating lender in the Small Business Administration’s loan programs. We’re experts in providing a streamlined process and fast turnarounds on loan requests. We participate in Government Lending Programs for the purchase of land and buildings as well as construction and/or renovation, leasehold improvement, equipment and furnishings.

Business Credit Cards

Using your MCSB Business Visa Credit Card is the fast, easy, convenient and safe way to pay for all purchases and keep track of expenses. A financial and cash management  tool, your Business Visa provides detailed monthly, quarterly or annual report options that provide consolidated spending information based on merchants used by your business. Now you can easily track all business-related expenses and simplify your tax preparation process.

For more information, contact one of our local Commercial Lenders