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BreadRoute Review
SouthState Bank
3.5Our SouthState Bank Review
SouthState Bank is a regional commercial bank headquartered in Columbia, SC, serving businesses primarily across the Southeast. Its small-business lending lineup is broad: SBA 7(a) and 504 loans, USDA Business and Industry loans, term loans, lines of credit, equipment finance, inventory financing, accounts receivable financing, commercial real estate, and construction finance. Financing starts at $10,000 and scales to $10 million or more. To qualify, you'll generally need a credit score of at least 650, $10,000 in monthly revenue, and two years in business. A good fit if you're an established Southeast-based business looking for a full-service banking relationship with both government-backed and conventional options under one roof.
Who Is SouthState Bank Best For?
Based on eligibility requirements and available products.
- Businesses with good (but not perfect) credit
- Businesses that need equipment or machinery financing
- B2B businesses with outstanding invoices to unlock
- Established businesses that qualify for SBA programs
Financing Options
Eligibility Requirements
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Quick Overview
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SouthState Bank Pros & Cons
Pros
- Lends nationwide
- High loan amounts available
- Wide range of financing products
Cons
- Requires $10,000+ in monthly revenue
- Requires 2 Years in business
Frequently Asked Questions
SouthState Bank offers financing in the range of $10,000 to $10+ Million.
SouthState Bank typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.
SouthState Bank offers the following financing products: Equipment Finance, USDA Business and Industry, Accounts Receivable, Construction Finance, Working Capital, SBA 7(a), Commercial Real Estate Financing, Inventory Financing, SBA 504, Line of Credit, Term Loan.
SouthState Bank requires a minimum of 2 Years in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
SouthState Bank provides financing to businesses across the United States.
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