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Southern Bancorp Bank (AR)
Southern Bancorp combines banking and lending services with unique financial development tools to help families and communities grow stronger.
Unlock Your Financial Potential with Southern Bancorp Bank (AR)
Southern Bancorp Bank is a nationally recognized Community Development Financial Institution (CDFI) headquartered in Arkansas and one of America’s oldest and largest rural development banks. With a mission to create economic opportunity and build wealth in underserved communities, Southern Bancorp combines full-service business banking, flexible commercial lending, and SBA loan expertise to help entrepreneurs start, grow, and scale their businesses.
Key Features of Southern Bancorp Bank (AR)
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Mission-Driven Business Banking
Southern Bancorp provides business checking, savings, money market accounts, credit cards, ACH/wire services, merchant services, and cash-management tools built to support small enterprises at every stage. -
SBA Loan Expertise
As an experienced SBA lender, Southern Bancorp Bank participates in:- SBA 7(a) loans
- SBA 504 loans
These government-backed programs help business owners secure financing for: - Working capital
- Equipment and machinery
- Commercial real estate acquisition or renovation
- Business acquisition
- Expansion and construction
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CDFI Small-Business Lending Programs
With its CDFI mission, Southern Bancorp focuses on accessible, flexible financing for underserved small businesses, including:- Microloans
- Startup loans
- Community development loans
- Low-collateral business financing
- Credit-building products
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Conventional Commercial Lending
Beyond SBA and mission-oriented loans, the bank offers:- Lines of credit
- Term loans
- Equipment financing
- Commercial mortgages
- Agricultural loans
- Construction loans
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Digital Business Tools
Business customers benefit from robust online and mobile banking, remote deposit capture, bill pay, cash-flow dashboards, and e-statements accessible 24/7. -
Strong Community & Economic Development Focus
As a CDFI and B Corp, Southern Bancorp reinvests in the communities it serves through:- Financial education
- Small-business coaching
- Affordable capital initiatives
- Rural economic development
- Minority and women-owned business support
Why Choose Southern Bancorp Bank for SBA Loans?
Southern Bancorp excels by combining mission-driven lending with SBA expertise.
Entrepreneurs benefit from:
- More flexible underwriting
- Lower down payments for SBA borrowers
- Hands-on coaching and loan packaging support
- Local decision-making
- Deep understanding of rural and underserved markets
- Competitive SBA terms
Whether you're opening a new business, purchasing commercial property, expanding operations, or building a long-term wealth strategy, Southern Bancorp Bank offers government-backed financing designed to promote success and sustainability.
How to Get Started
Ready to secure SBA financing or explore mission-driven commercial lending? Visit the
Southern Bancorp Bank Business Banking page
to explore loan programs, check eligibility, and connect with a business-banking specialist.
Empower your financial future today with Southern Bancorp Bank — where entrepreneurs gain the capital, coaching, and community-driven support they need to thrive.
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