Business Lending Solutions
Local decisions. Tailored solutions. Real results.
Local businesses help our communities grow—and at Lena State Bank, we’re proud to support that growth every step of the way. As a community lender, we’re committed to helping business owners thrive with financing that fits, service that’s personal, and decisions made by people who live and work right here.
We know that no two businesses are the same. Whether you’re managing day-to-day operations, buying equipment, expanding to a new location, or preparing for long-term growth, our team is here to help you move forward with confidence.
Our business loans do more than provide funding. They keep dollars working locally, helping strengthen the economy and the relationships that make our communities strong.
Capital Solutions Built Around You
Lines of Credit
Ideal for seasonal cash flow, operating expenses, or growth opportunities.Term Loans
Finance equipment, business expansion, or partner buy-ins.Real Estate Loans
For both owner-occupied and investment properties, including commercial, industrial, and multi-family.Loan Program Partnerships
Access to SBA 7(a), SBA 504, Advantage Illinois, and specialized regional programs.Advisory Services
Through strategic alliances for M&A, mezzanine financing, and long-term rate protection.
Equipment & Municipal Leasing
In addition to traditional financing, we offer equipment and municipal leasing through our partnership with Bankers’ Bank. With flexible terms, 100% financing, and no prepayment penalties, leasing gives your business another tool to stay competitive—especially for industries like agriculture, construction, public service, and more.
Schedule an Appointment with a Commercial Banker
To start a conversation about your business loan needs, contact Lena State Bank today and schedule an appointment.