A Capital Bank you have your choice of credit line to match your business need — borrow only what you need, preserving your company cash resources for other uses.

Revolving Line of Credit — access the cash you need to cover short-term seasonal shortfalls, or act as a bridge for working capital.

  • Secured with non-real estate assets that collateralize the loan
  • Generally lower interest rates and higher credit limits than unsecured lines
  • Interest paid only on the money that you draw
  • Renewable on a yearly basis

Secured Line of Credit — asset-based financing that meets your cash flow needs and keeps your business growing.

  • Secured line of credit with business assets such as real estate or receivables
  • Credit is advanced based on the collateral, while the term is typically based on expected lifespan of asset
  • Higher credit lines up to $1million
  • Longer payment terms and no annual renewal required

Capital Reserve Line of Credit — for newer businesses or start-ups, offering streamlined credit approval on lower lines.

  • Unsecured line of credit, without having to tie up assets
  • Faster loan application with reduced paperwork
  • Lines as low as $2,500 up to $50,000
  • Monthly repayment of principal automatically re-calculated for 36 month payment term