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Business Lending & Loans


What type of loan are you looking for?

For businesses that need convenient access to a revolving line of credit to take advantage of discounts, purchase inventory, improve liquidity or meet short term cash requirements

Convenience Line of Credit

Our Convenience Lines of Credit offer: 

  • Unsecured options available
  • Variable rates tied to Compass Bank’s Prime Rate
  • Easy access to funds—by check, telephone transfer or in the branch 

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Traditional Line of Credit

For businesses that need convenient access to a larger revolving line of credit to take advantage of discounts, purchase inventory, improve liquidity or meet short term cash requirements

Traditional Line of Credit

Our Traditional Lines of Credit offer:  

  • Interest only payment period available
  • Secured and unsecured options available
  • Easy access to funds—by check, telephone transfer or in the branch 

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Business Credit Cards

For businesses that need a convenient, secure way to make everyday business purchases, or meet short term cash requirements, while earning rewards.

Business Credit Cards

Our Business Credit Cards offer:  

  • Build Your Own Rewards program with 2x’s and 3x’s CompassPoints®
  • Cardholder benefits through Visa Savings Edge® and Visa Business Benefits
  • Ability to issue employee cards with individually set limits
  • Secured and Unsecured options available

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Business Term Loan/Equipment Loan

A fixed rate loan with customized repayment plans to finance long term needs, working capital or major purchases such as equipment.

Business Term Loan/Equipment Loan

Our Business Term Loans offer:  

  • Competitive low fixed rates
  • Terms up to 5 years (up to 10 years for healthcare professionals)
  • Secured and unsecured options available

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Commercial Real Estate Loan

A mortgage loan secured by commercial property used for long term lending needs such as the purchase or refinance of owner-occupied commercial real estate, facilities expansion, working capital or equipment purchases.

Commercial Real Estate Loan

Our Commercial Real Estate Loans offer:  

  • No balloon payments
  • Up to 80% Loan to Value (LTV) financing for owner-occupied commercial property

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SBA (Small Business Administration) Loans

We also offer SBA lending

options on all of our loan types, and are recognized as a top 10 SBA lender by the SBA.

SBA (Small Business Administration) Loans

  • Longer maturities
  • Lower payments and equity requirements
  • Less restrictive collateral parameters
  • Secured and Unsecured options available

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Product Description Collateral
Requirement Access to Funds Loan/Line
Amounts Available Convenience Line of Credit

  • For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements
  • Variable rate tied to Compass Bank's prime
  • Minimum payment of $50 or 2% outstanding balance
  • No maturity
Unsecured and SBA Express eligible Check, Telephone Transfer or Branch $10,000 - $100,000 Traditional Line of Credit
  • For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements
  • Interest only payment period
Secured and Unsecured Check, Telephone Transfer or Branch $50,001+ Business Credit Cards
  • For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements
  • Competitive interest rates
  • Ability to give cards to key employees and set individual limits to better manage spending
  • Extended cardholder benefits provided directly by Visa
  • Monthly payment is 5% of balance
  • No maturity
Secured and Unsecured Credit Card Business Rewards $3,000 + Business Term Loan
  • Installment loan for long term needs, working capital or to purchase equipment
  • Principal & Interest
  • 1-5 years maturity
Secured and Unsecured
  • Funded at closing
  • Up to 6-month draw
$5,000+ Commercial Real Estate Loan
  • Installment loan for long term needs, working capital, purchase equipment, expand facilities or acquire business real estate
Secured
  • Funded at closing (purchase/refinance)
  • Up to 12-month draw (construction)
$25,000+ SBA (Small Business Administration) Loans
  • Loans for businesses that are not ideal candidates for conventional lending
  • Loans are partially guaranteed by the Small Business Administration
  • Can apply to all loan types
  • Competitive Interest Rates
Secured and Unsecured Varies based on loan type

Varies based on loan type


Category: Bank loan

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