Business/Commercial Loans

We are committed to seeing our community grow and prosper. We appreciate any opportunity to fund construction projects, business expansion, equipment purchases, credit lines and other commercial loans that will enhance the quality of living in our great South Georgia area! Our lending staff is a seasoned group of individuals who truly care about you and your ideas and will take the time to listen to your plans and give constructive advice based on years of experience in commercial banking.

When you visit with one of our loan officers to discuss your business loan, please bring the following:

  • Last 2 years of fiscal year-end balance sheets and income statements
  • Detailed business plan if business is a new business
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on business and individual
  • Signed purchase agreement if business is a new acquisition
  • Projections for at least two years – cash flow, balance sheet, and income statement