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Our Commercial Lenders

Silhouette of a Man

Michael Debo

Senior Commercial Loan Officer, VP

Office: (989) 316-2550
Fax: (989) 316-2819

Michael brings nearly 40 years of business banking and commercial lending experience to Isabella Bank. As vice president and senior commercial loan officer, he develops business relationships and identifies lending opportunities across Bay County.

Michael earned a bachelor’s degree in business administration from Northwood University and graduated from Leadership Bay County. Active in the Bay City community, he chairs the Bay Area Chamber Foundation; serves as treasurer of the Bay City Economic Development Corporation, Brownfield Redevelopment Authority, and All Saints Athletic Club; and is a member and past president of Bay City Morning Rotary.

He previously held leadership roles with the Bay Area Chamber of Commerce, Junior Achievement of Northeast Michigan, and Bay Future, Inc. Michael has also coached high school basketball for more than 30 years, including 19 seasons as varsity boys’ and girls’ coach at Bay City All Saints Catholic School

Compare Your Business Loan Options

Find the right financing solution for your business—from everyday working capital to long-term growth projects. Compare loan types to see what best fits your goals. 
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Lease What Your Team Needs

Commercial & Municipal Leasing Loans

Lease equipment, vehicles, or machinery with no upfront costs and predictable payments. A flexible solution for businesses, municipalities, and specialized industries.
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Invest in Your Operation

Agricultural Loans

From operating credit to equipment, livestock, and land, our agricultural loans are designed to support every part of your operation — with local expertise you can trust.
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Financing for Any Property

Commercial Real Estate (CRE) Loans

Finance the purchase, construction, or renovation of commercial property with competitive rates and flexible structures. Local lenders guide you every step of the way.
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Flexible Funding Options

Business Term Loans & Lines of Credit

Flexible financing to help you manage cash flow, cover expenses, or prepare for seasonal needs. With competitive rates and reusable lines of credit, you only pay interest on what you use.
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Government Backed Financing

Small Business Administration (SBA) Loans

SBA loans make it easier to finance growth with lower down payments and longer repayment terms. They’re a smart option for expanding, upgrading, or strengthening cash flow.