Commercial Loans

Shelby State Bank – here to help your business grow.

From offices to construction sites and from storefront shops to farms covering thousands of acres, West Michigan businesses have a committed partner in Shelby State Bank.

You have goals and dreams. You have short-term needs and long-term plans. You need good people, good equipment, and a roof over your head.

And it all takes capital. Shelby State Bank provides small business and commercial lending to help you make the plans come together.

Growth
Commercial Loans

Shelby State Bank – Decisions Kept Local

We often say SSB is “where banking is still a people business,” and nowhere is that more important than in our commercial banking services which support the local economies of the Lake Michigan shoreline region. There is no replacement for having an experienced lender who is close by and easily accessible. Decisions are made locally, loans are funded locally, and your relationship with Shelby State Bank is conducted 100% locally.

Your best resource is right here.

Our approach is to listen and learn, then plan and propose. With Shelby State Bank, you are not getting some pre-packaged “solution” but a strategically sound infusion of capital that helps you win now and in the future.

Types of Business Loans

Shelby State Bank has the flexibility and resources to meet your business financing needs no matter what form they take:

Commercial Real Estate and Construction

No one knows the local market like Shelby State Bank because, like you, we are at home here! Whether you need to buy an existing property, renovate, expand, or build from scratch, Shelby State Bank offers highly competitive rates and terms plus the irreplaceable value of having a responsive local partner.

metal cutting machinery in action

Equipment, Inventory and Materials Financing

For the purchases that make your business go, Shelby State Bank offers a multitude of options to help you with buying equipment, raw materials for production and inventory for resale.

Operating Capital


A commercial line of credit provides working capital while receivables are coming in or to cover other short-term cash requirements of your business.

aerial view of a tractor harvesting a fiel

SBA & FSA Programs


Shelby State Bank is a qualified lender with the U.S. Small Business Administration and the Farm Services Agency, providing federally guaranteed loans when applicable. We walk with you through the process personally and locally.

Whether you serve your local community, cater to area tourists or do business worldwide, Shelby State Bank is ready to help you thrive.

Image of Kenneth J. Adamski

Kenneth J. Adamski

Vice President and Commercial Lender

Email: kadamski@shelbybank.com

Phone: O: 231-744-6231
C: 231-670-0447

Location: 2222 N. Holton Road
North Muskegon, MI 49445

Counties: Muskegon, Ottawa and Newaygo

Image of Kayla Dennert

Kayla Dennert

Assistant Vice President and Commercial Lender

Email: kdennert@shelbybank.com

Phone: 231-861-6038

Location: 242 N. Michigan Avenue
Shelby, MI 49455

Counties: Oceana and Newaygo

Image of Robert C. Henry

Robert C. Henry

Senior Vice President and Commercial Lender

Email: rhenry@shelbybank.com

Phone: 231-398-7905

NMLS#: 917442

Location: 1710 US 31 South
Manistee, MI 49660

Counties: Manistee

Image of John Raven

John Raven

Vice President and Commercial Lender

Email: jraven@shelbybank.com

Phone: 231-843-4878

NMLS#: 781408

Location: 30 N. Meyers Road
Ludington, MI 49431

Counties: Mason