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Find A Better State for Your Business Here

When you turn to the experienced business lenders at The State Bank, you partner with the #1 Michigan based Community Bank SBA lender for two years in a row.*

In 2021 alone, our Farmington Hills business lending team helped 55 local businesses secure over $78 million in loans. Where others see obstacles, we see opportunity.

Connect below with a business banking expert who will help you see what’s possible, or visit our Small Business Loans page to learn more about SBA Loans. 

Connect with a Business Expert

*Based upon number of approved loans for the SBA fiscal years ending September 30, 2020 & 2021. Subject to credit approval. 


Michael Franklin - Business Lending Team

Michael Franklin
Phone: (248) 835-4463

Michael Franklin is an accomplished financial professional with 17+ years’ experience in sales for business banking. He has a proven history of empowering organizational growth via sound strategic planning and a particular gift for identifying and fulfilling needs of high-level clients. Michael is skilled at building positive relationships, exceeding client expectations, developing external relationships with CPA’s and attorneys, and a strong ability for networking and deepening current client relationships.

“I joined The State Bank in September 2019 and serve as Vice President, Market Manager in Commercial Lending, drawn to this bank by its leadership, community feel and the opportunity to grow and develop a team and build their presence in Oakland County. I love the opportunity to work with all industries, clients and structure unique loans that fit their needs, I am focused on doing business the right way, with honesty and integrity, start to finish.”

Michael lives in West Bloomfield Township with his wife Carissa and their two boys, Ethan and Liam.

Paul Dowling has worked in commercial lending since 2006 within Southeast Michigan. He joined The State Bank in October of 2020 and serves as Vice President and Commercial Lender. Paul was drawn in part to this position at The State Bank because of the community impact, involvement, and assistance he is able to offer within a local bank to all business owners and commercial real estate owners.

He notes, “This is an amazing company to work for. You can see they truly care about local businesses and helping them accomplish their goals.”

He loves being part of a responsive team with flexible commercial lending capabilities and a can do attitude.

Paul lives in Wixom with his wife Lisa, two children Connor and Layla, and dog Bear.

Paul J. Dowling - Business Lending Team

Paul Dowling
Phone: (734) 765-1753

Commercial Loans

From commercial real estate financing to cash flow term loans and working capital lines of credit, you can find just what your business needs at The State Bank.

Business Saving Solutions

No matter your size, The State Bank has the perfect savings account to help your business thrive.


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