Business Loans


You’re invested in the Great Lakes Bay region. You’ve built your business here. So if you need a business loan, it just makes sense to work with a bank that’s equally invested in the area; one that wants to invest in your business’s success. That’s 1st State Bank. Based right here in the Great Lakes Bay region. Locally owned, local employees, local decision making. With decades of experience serving the business banking needs of people like you. We provide a complete line of business loans with competitive loan rates and flexible terms to meet your business’s unique financing needs.


  • Lines of Credit
  • Business Term Loans
  • Business Real Estate Mortgages
  • Small Business Administration (SBA) Loans
  • Letters of Credit
  • Business Charge Cards
  • Equipment Leasing


Click here for information about our Small Loan Program


For more information, visit any of our Banking Offices or please Contact Us.




Lender Contacts

Todd Gregory, EVP & Chief Lending Officer
(989) 596-0840 | E-Mail
Laura Yockey, SVP & Business Lending Manager
(989) 596-0842 | E-Mail
Steve Canole, SVP
(989) 596-0834 | E-Mail
Todd Clements, SVP
(989) 596-0839 | E-Mail
Missie Freier, VP
(989) 596-0841 | E-Mail
Ed Keating, SVP
(989) 596-0838 | E-Mail
Lori Martin, SVP
(989) 596-0837 | E-Mail
James Papajesk, EVP & Chief Credit Officer
(989) 596-0844 | E-Mail
Gail Sarnowski, VP
(989) 596-0835 | E-Mail