Commercial Loans and Credit

Whether you’re an individual or a small-to medium-sized business, we realize you have unique needs – ones not met by one-size-fits-all solutions.

Commercial Loan and Credit Products

Our commercial loan products are customized to assist our clients' access to capital for the purchase, acquisition and expansion of their operational and hard asset needs. We are experts at:

  • General, specialized and custom equipment financing
  • Financing the purchase and/or expansion of new office, warehouse, production and distribution
    facilities
  • Inventory expansion
  • Refinance and restructure of business-related debt
  • Letters of credit

Commercial Lines of Credit

Meet with one of our professional commercial bankers and let them explain the benefits of our flexible lines of credit and how this financing vehicle can benefit your company. A line of credit can help with seasonal cash flow needs, inventory purchases and business expansion.

Commercial Real Estate and Construction Financing

We understand the banking and financing needs of both seasoned and growing companies. Our real estate project capabilities can provide capital for:

  • Purchase financing of owner-occupied facilities
  • New construction and/or expansion of office, warehouse and production properties
  • Investment properties
  • Construction financing for select single family residential builders

SBA Loans

SBA 7a Loans

These SBA Guaranteed Loans can be used to fund commercial real estate purchases including ground-up
construction or renovation with a 25 year fully amortizing term; equipment purchases, existing business
purchases, and working capital loans can be fully amortized over a 10-year term. Vinings Bank is a Preferred
Lender with the SBA and able to approve and close loans quickly and efficiently. Funding amounts are from
$250,000 to $5,000,000.

Required documentation for underwriting typically includes:

  • Most recent 3 years personal tax returns
  • Current personal financial statement
  • SBA Management Resume
  • Most recent 3 years business tax returns if existing business
  • Current Balance Sheet and Profit and Loss Statement if existing business
  • Business plan and 2 years projections if start-up business
  • Breakdown of the total cost of project

If we can help with questions or provide information, please contact us or call 678-710-2820.

Business Credit Cards

With a Vinings Bank business credit card, you can easily track all of your expenses and purchase anything you need to keep your business running smoothly, from supplies to client meals.

CONTACT US TO LEARN MORE

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