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BreadRoute Review
The Southern Bank Company
4.0Our The Southern Bank Company Review
The Southern Bank Company is a community bank headquartered in Gadsden, AL, founded in 1936. It serves small and medium-sized businesses primarily across Northeast Alabama, offering equipment finance, commercial real estate financing, and invoice factoring through its altLINE division. Loan amounts range from $10,000 to $10 million, with a minimum credit score of 650 and at least two years in business required. With nearly nine decades of operating history and a solid reputation among the businesses it serves, it's a good fit for established SMBs looking for a relationship-focused lender. Borrowers outside Northeast Alabama should confirm geographic eligibility before applying.
Who Is The Southern Bank Company 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
- Businesses with commercial real estate financing needs
Financing Options
Eligibility Requirements
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Quick Overview
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The Southern Bank Company Pros & Cons
Pros
- Lends nationwide
- High loan amounts available
Cons
- Requires 2 Years in business
Frequently Asked Questions
The Southern Bank Company offers financing in the range of $10,000 to $10 Million.
The Southern Bank Company typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.
The Southern Bank Company offers the following financing products: Equipment Finance, Commercial Real Estate Financing, Invoice Factoring.
The Southern Bank Company requires a minimum of 2 Years in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
The Southern Bank Company provides financing to businesses across the United States.
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