Hi @pmmg
I think I’d be inclined to do something like:
$current_url = get_permalink();
$state_url = get_field('state_url');
$product = get_title();
echo '<a href="$current_url.$state_url.'-'.$product">Link</a>';
Or
$site_url = get_site_url();
$state_url = get_field('state_url');
$product = get_title();
echo '<a href="$site_url.'/product/'.$state_url.'-'.$product">Link</a>';
May need a little tweaking but should get you underway!