Small Business Lending

Business Line of Credit:

• Competitive rates for a wide range of long-term or seasonal business needs:
• Seasonal fluctuations
• Inventory
• Capitalize on trade discounts
• Working capital
• Ongoing updates
• And more
• Provides greater financial flexibility
• Repayment customized based on your business's unique needs
• Revolving credit — you use funds and pay them back on a flexible basis
• Interest only accrues on your outstanding balances, so on the amount of the line you've borrowed, not the untouched amount waiting to be used; thus, interest varies.
• Only pay interest on the funds that are used
• Funds are easily accessible online or in person

Commercial Real Estate Loans:

• Competitive rates for the purchase, refinance, or construction of commercial properties
• Available for owner occupied or investment properties
• Repayment terms customized to fit your business's unique needs
• Lending professionals with working knowledge of the North Georgia real estate market

SBA 504 Loans:

• Designed for the needs of small businesses* looking to:
• Construction of new facilities
• Renovating or converting of existing facilities
• Flexible terms available
• Backed by the U.S. Small Business Administration (SBA)
• Affordable payment options

SBA 7(a) Loans:

• Designed for the needs of small businesses* looking to: 
• Expansion or renovation of an existing building
• Construction of a new facility
• Purchase land and existing building
• Purchase equipment, inventory, and fixtures
• Terms up to 10 years for working capital
• Terms up to 25 years for fixed assets
• Backed by the U.S. Small Business Administration (SBA)
• Perfect for start-up businesses
• Affordable payment options

_{*As defined by the SBA.}

Business Term Loans:

• Competitive rates for a wide range of business expenses:
• Working capital
• Equipment
• Machinery
• Inventory
• Facility improvements
• And more
• Repayment terms customized to fit your business's unique needs