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Business Loans & Lines of Credit
Our team is committed to helping you find the right solution to meet the unique needs of your business.  We’re more than a bank - we’re your financial partner.

John M. Brubaker
Chief Lending Officer
Executive Vice President
Gary S. Ford
Commercial & Construction
Vice President
Donald E. Edwards
Commercial Loan Executive

Jerry H. Ollis
Senior Vice President
Senior Lending Officer
Jonathan M. Blair
Lenoir Community Executive
Vice President
Nicholas C. Walden
South Caldwell Community Executive Assistant Vice President

Business Line of Credit

Avoid unnecessary overdraft fees and the embarrassment of returned checks.  With a business credit line, we'll automatically advance you funds to cover checking overdrafts.  You can also use your business line of credit by writing yourself a loan to take advantage of unexpected opportunities.

Working Capital & Seasonal Lines of Credit

Manage your cash flow more effectively with a line that is customized to meet your needs.  Uses include meeting seasonal sales fluctuations, take advantage of purchasing discounts and cover shortfalls in cash flow.  Lines are either secured or unsecured.  Our rates are very competitive and your line is available to pay down and use again as you need to.

Term Loans

Whether you are looking for a company vehicle, piece of equipment or longer-term working capital loan, let us assist with your financing needs.  We offer flexible terms and competitive rates. 

Commercial Real Estate Loans

If you are looking at expanding, refinancing or acquiring new property, we offer both interim construction loans, and permanent commercial real estate financing.  Call one of our experienced commercial bankers today!

Construction Loans

We offer construction loans to build speculation (spec) or pre-sold 1-4 family homes. The loans are competitively priced and serviced by our local construction loan officer, Gary Ford.  Please come by or call him today at (828) 759-6002 or (88) 758-1414 and he will be glad to assist you through the process.

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