. Main Menu LOGIN BUSINESS BANKING Expand All | Collapse All BUSINESS CHECKING BUSINESS SAVINGS Business and Public Savings BUSINESS LOANS For over 100 years, Upper Peninsula State Bank has been providing financing for economic development of Upper Peninsula businesses. Our business relationships have ranged from start-up activities to generations of progress. Term Financing Amortizing loans are available for a variety of purposes, including acquisitions, permanent working capital, and equipment financing. Annually renewable lines of credit are available with the option to convert the outstanding balance at the end of each year to a term loan with an amortization ranging from five (5) to seven (7) years. Commercial Real Estate Commercial mortgages are available for new construction, acquisition and refinancing purposes. Construction loans run from twelve (12) to eighteen (18) months with the option to convert to a term loan upon completion of the project. Term loans generally amortize from fifteen (15) to twenty (20) years. Commercial Line of Credit Working capital lines of credit are provided on a revolving basis and are annually renewable. Government Programs These programs often benefit businesses in the form of lower down payments, smaller monthly payments, and long term fixed interest rates. These programs, available through the U.S. Small Business Administration and local community development corporations, allow us to creatively tailor a financing package to fit the needs of the borrower. Contact one of our Commercial Lenders to see how they can help you! SBA PAYCHECK PROTECTION PROGRAM ELECTRONIC SERVICES OTHER BUSINESS SERVICES ATM/DEBIT CARD VIRTUAL PAYMENT OPTIONS OVERDRAFT PROTECTION OPTIONS SAFE DEPOSIT BOXES OTHER SERVICES In addition to the deposit and loan products and electronic services listed above, we offer other types of products and convenient services to our business customers. Select one of the tabs below for more information! Member FDIC © 2021 Upper Peninsula State Bank Home Branch & ATM Locations Privacy and Security Contact Us Employment Site Map