Juneteenth: 22nd State Bank will be closed Wednesday, June 19th in observance of Juneteenth.


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Loans at a Glance

Guaranteed government loans are designed to provide financing for small businesses when traditional lending is not able to meet their needs. Both the 7(a) and USDA loans can offer lower monthly payments for borrowers and the ability to afford upfront costs associated with a new loan; meaning a longer amortization and less equity infusion.

These loans are constructed in a way to help small businesses get ahead and provide working capital, physical assets, or generate greater financial flexibility for the growth of the business.

SBA 7(A) Loan USDA B&I Loan

Loan Amount

Financing up to $5 million

Financing up to $20 million

Use or Loan

  • Start-Up capital
  • Working capital
  • Inventory
  • Equipment, furniture & fixtures
  • Debt refinancing
  • Buy a business or franchise
  • Buy or build commercial real estate (CRE)
  • Leashold improvements
  • Owner-occupied investor commercial real estate (CRE)
  • Purchase, refinance, construction or renovation of a building
  • Eligible for rural areas under 50,000 population


Minimum equity and collateral requirements apply

20% tangible equity required


Up to 25 years, fully amortized loan structure

Up to 30 years, fully amortized loan structure

Contact one of our bank service representatives for additional information.