SAVANNAH, Ga. - eTradeWire -- SAVANNAH, GA / HILTON HEAD ISLAND, SC / CHARLESTON, SC (May 4, 2026) – Coastal States Bank ("CSB") has announced its 48-Hour Small Business Loan Program, a streamlined lending solution designed to provide qualified small businesses with loan approval decisions in as little as two business days.

The program was created to help business owners access capital more quickly when timing matters most. With a simplified process and local decision-making, CSB aims to make funding more efficient for local businesses in the community bank's markets that generate less than $5 million in revenue and have at least three years in business.

"Our region's small business community is built on relationships, resilience, and the ability to act quickly," said Brian Smith, CSB's Coastal Regional President. "Our 48-Hour Small Business Loan program is uniquely designed to give businesses faster answers so they can keep their operations moving forward when challenges arise and move quickly when opportunities are available."

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The lending solution provides flexible financing options for a variety of business needs, including working capital, inventory, equipment and owner-occupied real estate. Loan decisions are provided within 48 hours once a completed application and required documentation are received.

For more information, visit a CSB branch or coastalstatesbank.com/48-hour-business-loan (http://www.coastalstatesbank.com/48-hour-business-loan).

About the Company

Coastal States Bank builds relationships by providing a full range of banking services designed for businesses, their owners and individuals looking for a local banking partner. CSB has a community banking presence in the Lowcountry of South Carolina (Hilton Head Island, Bluffton, Beaufort and Charleston), Savannah and the Atlanta Metropolitan market, and serves communities across the country through its Government Guaranteed Lending, Senior Housing, Correspondent Marine and Mortgage Banker Finance lines of business. At present, CSB has approximately $2.3 billion in total assets.

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CSB is a wholly-owned subsidiary of CoastalSouth Bancshares, Inc.

Coastal States Bank – Local. And Proud of It.^®

For additional information regarding Coastal States Bank, please visit www.coastalstatesbank.com (https://c212.net/c/link/?t=0&l=en&o=3695850-1&h=3643256697&u=https%3A%2F%2Fc212.net%2Fc%2Flink%2F%3Ft%3D0%26l%3Den%26o%3D3177198-1%26h%3D4033875908%26u%3Dhttp%253A%252F%252Fwww.coastalstatesbank.com%252F%26a%3Dwww.coastalstatesbank.com&...).

Media Contact:

Raquel Cobb

VP, Marketing and Communications Director

Coastal States Bank

rcobb@coastalstatesbank.com