Business Loans as Unique as Your Company

Let us help you get the capital you need to buy, build, and expand so you can get back to what’s important, growing your business.

Contact a Lender

Small Business Financing Options

Our small business loans start at $150,000 and can be customized to fit your business’s needs.

Startup

Apply for a startup loan to open a business and begin your journey. We’ll be there every step of the way.

Purchase

Use your business loan for equipment purchases or financing the acquisition of an existing business.

Building

Buy commercial real estate for your business location or renovate an existing building.

Expansion

Get business expansion funding or a franchise loan to take your business to the next level.

Capital Bank’s Small Business Loans

Securing the right loan means choosing the right bank. Get the tailored program that is right not just for where you are, but where you are going.

Commercial Lending

Capital Bank offers commercial lending that helps your business do everything, from covering seasonal cash flow needs to being able to jump on an expansion opportunity, internationally or locally.

Small Business Administration

SBA loan programs are designed to provide financial assistance to small and medium-sized businesses. With a lower down payment requirement than a conventional loan, longer terms, and a longer amortization period, business owners can benefit from using them.

US Department of Agriculture

USDA loans provide financial backing and technical assistance to stimulate business creation and growth. Loans, loan guarantees, and grants are available to individuals, businesses, cooperatives, farmers and ranchers, public bodies, non-profit corporations, Native American Tribes, and private companies in rural communities.

Our lending process

1

Connect

Introduce us to your business, your goals, and what obstacles you may be facing. Our loan officers will utilize the information you provide to create a loan tailored to your specific business needs.

2

Underwriting

We’ll work with you to make paperwork as hassle-free as possible. Our team will make sure your documents are thoroughly reviewed to ensure we have all of the information needed to get an approval decision.

3

Credit Review

Our team will review your loan application to verify it aligns with our credit requirements.

4

Approval

After approval, we will collect any final information needed and schedule a closing date.

5

Dedicated Service

Once your loan closes, the loan officer responsible for preparing your loan application will remain your first point of contact, serving as a dedicated partner in achieving your business goals.

Industry-based Small Business Loans

HVAC

Child Daycare Financing

Professional Services Firms

Energy/Infrastructure

Senior Housing Business Loans

Franchise restaurants

Medical

Government Contracting

Don’t see your industry listed? Our business loan team can still help!

Contact Us

About us

Business ownership is still the American Dream. The Capital Bank Small Business Loan Team is here to provide a concierge service to entrepreneurs looking to start or expand their business. Our loan officers believe in a tailored loan consultation service and human-driven approach to underwriting. Our priority is to understand your goals and structure a loan with your specifications in mind. We believe fair access to capital is essential to entrepreneurial success and our team is here to help.

Our Expertise has Helped Thousands of Businesses

Here’s what some small business owners had to say about Capital Bank’s business lending team.

Matt Vanchina, President/Owner
Paul Davis Restoration

I am grateful for Capital Bank’s ability to form a more personal yet professional relationship with my business, unlike other banks, which really do make you feel like just a number. This makes quite a difference. Customer service is clearly a high priority.

C. Adams, DDS

I am moved to thank you for the courteous, professional, and skillful manner in which you guided me from application to approval of my PPP loan from your bank, Capital Bank. I feel like you were helpful above and beyond your normal duties throughout the entire process.

Small business loan FAQ

Can a startup business get a loan?

Startups are eligible for financing through SBA loans. SBA microloans, 7(a) loans, and other loans are available depending on your unique business circumstances. Please consult with one of our loan officers for more information on which loans would suit your needs.

Can you get a loan to start a franchise?

Capital Bank offers business loans for franchise business owners. For first-time, new franchise owners, SBA loans are available to help you start up your franchise.

How to apply for a small business loan?

Our small business loan lending process is designed to be customizable to your specific business needs. Connect with one of our loan officers and we can get you started with our initial consultation, underwriting, credit approval, and approval processes.

What is the amount of money I can get with a small business loan?

There are many types of small business loans with varying loan limits. Some popular small business loans are the SBA’s 7(a) Loan with a maximum loan amount of $5 million USD. The SBA 7(a) Small Loan is another popular loan that offers a maximum loan amount of $350,000 USD. Keep in mind, these are maximum loan amounts. Please speak to one of our loan officers for a loan amount that best suits your small business needs.

Let Us Build the Right Solution for You

The right bank makes all the difference. We’re committed to a banking relationship that stems from closely listening to your needs. As your banking partner, we provide a personalized process and award-winning customer service. Take the next step, apply now!

Start a Small Business Loan Application today

Hidden