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Business Line of Credit
Craig Swafford
Ph: (706) 866-1146
E-mail Craig
The Business Line of Credit is a fast, convenient, and affordable way to access the funds your business requires.
Benefits of a Business Line of Credit
- Credit decisions are made locally working with lenders who will come to you.
- Provides check access and overdraft protection when linked to any Capital Bank business checking account.
- Convenient automatic debit feature with any Capital Bank business checking account.
Term Loans
Term Loans are an excellent source of funding for purchasing equipment, vehicles, and other fixed assets or for obtaining permanent working capital. Capital Bank offers competitive fixed or variable interest rates.
Term Loan Benefits
- Competitive fixed or variable interest rates
- Competitive repayment schedules
- Monthly payments automatically debited for your convenience
The assets you purchase can usually secure the loan
Construction Loans
Our expertise in the construction financing allows us to finance the largest of commercial buildings to the smallest office facility. In addition it allows us to finance your speculative projects such as homes, subdivisions and office complexes. We are able to help you construct your dream home that you have always thought of.
We offer a couple of options for your construction financing such as a one time close and the traditional two closing program.
The one time close program offers the enjoyment of one set of documents to sign, one group of people to work with, one set of loan fees to pay and one closing to attend. When the construction is complete, the loan will automatically convert into your permanent mortgage with the quick signing of the modification agreement.
You will find our Construction Loans are a hassle-free way to do business in our fast pace life style. We offer, short and long term mortgage’s with fixed rate options and adjustable rate options with competitive rate structures.
Commercial Mortgages
Our Commercial Mortgages make owning, refinancing, or renovating commercial real estate easy and affordable. With our conventional programs, you’ll benefit from flexible financing options that include competitive rates, low monthly payments and long amortizations.
Commercial Mortgage Benefits
- Low monthly payments
- Flexible down payment requirements
- Competitive fixed or variable rates
- Flexible owner-occupancy requirements
Exact interest rate and line amount may vary depending on the results of your credit review.
All loans and lines of credit subject to credit approval, verification, and collateral evaluation. Initial decision will be subject to you meeting specific underwriting requirements and final approval will be based upon you meeting certain other requirements. Products subject to change without notice.
Loans to sole proprietorships must be in the name of the individual who is the sole proprietor.
Letters of Credit
Looking for a way to establish a solid relationship with a company with whom you have little or no history? Letters of Credit are guarantees of payment to help you make purchases or transact business with companies with whom you have limited trading experience or credit history. Cash or marketable securities are generally used to secure the credit.
Standby Letters of Credit serve as an assurance to others that your business will meet its contractual obligations.
