Business Loans

At CBC National Bank®, we believe there’s no such thing as a small business. Whether you’re a sole proprietor or have dozens of employees, any business, no matter the size, requires big thinking and a bold commitment to succeed. There’s nothing small about that. You also need to know you have a bank that shares your vision, knows you personally and will work with you to find innovative solutions for your growing business. You work hard for your business and at CBC National Bank we work hard for you.

Typical financial requirements include, but not limited to:

  • Business tax returns from the past two years (most recent)
  • Year-end balance sheet and income statements from the past two years (most recent)
  • A current interim business financial statement
  • Personal tax returns, including any K1s, from the past two years (most recent)
  • Current personal financial statement (Click here for our form)

*All business loans subject to credit approval

Commercial Mortgages

From expansions and remodels to purchases and refinancing, CBC National Bank provides a variety of commercial-type mortgages for your company’s property. Commercial mortgage loans are typically 15- or 20-year amortizations with 3- or 5-year balloon notes. Fixed or adjustable rates are available.

Revolving Lines of Credit

If your business has a seasonal capital need, such as payroll, inventory, materials, accounts receivable or overdraft protection, CBC's revolving lines of credit were designed for you. Revolving lines are based on an adjustable rate of interest and are renewed annually. Interest-only monthly repayment is typical with the entire principal being repaid within the annual period. CBC also offers business credit cards for smaller lines of credit and we invite you to visit our credit cards page for more details.

Equipment Loans

Has your office copier stopped copying? How are those go-to tools holding up? As your company grows, your need for replacement equipment – new or used – grows, too. For heavy-duty (iron) machinery, manufacturing, printing equipment, distribution equipment, computers and machine tools, CBC offers specialized equipment loans that are typically financed at 80% of the purchase price (new or used). Equipment loans from CBC can either be at fixed or adjustable rates of interest with amortizations based on the useful life of the equipment up to 15 years on a 3- or 5-year balloon note.

Vehicle Loans

When the day comes that you realize you have more business miles than personal on your vehicle, it’s the perfect time to consider a vehicle loan from CBC National Bank. If you need to finance a new or used automobile, van or truck, titled in your business name for business use, you can enjoy a fixed rate of interest on a term note for up to 72 months. Amortization on this type of loan can be longer depending on the size of the commercial vehicle you require with financing available on up to 90% of the purchase price.

Working Capital Loans

It’s been said that, “it takes money to make money.” And when your company’s growth calls for additional working capital, we encourage you to consider the working capital loan options of CBC. Permanent working capital loans can be structured in a variety of ways, depending on your business, so talk with one of our commercial bankers about the range of options we offer to perfectly suit your needs.

Letters of Credit

When inventory purchases for your business require a letter of credit, CBC can provide domestic and international letters for you. Various standby letters of credit are also offered and all letters are often cash secured. Services do vary so please see your CBC commercial banker for more details.

U.S. Small Business Administration (SBA) and Rural Development (USDA) Loans

 CBC National Bank is a seasoned lender with the SBA. Our extensive experience with SBA lending has earned us a “Preferred Lender” status, which means more flexibility and quicker decision making for you. Please visit our SBA Lending page for more details. 

Want to Talk to a Lending Professional Today?



Senior Vice President & Senior Lender
1891 South 14th Street
Fernandina Beach, FL 32034
(904) 321-5699

Vice President & Commercial Lender
1891 South 14th Street
Fernandina Beach, FL 32034
(904) 491-9839

Asst. Vice President & Commercial Lender
1891 South 14th Street
Fernandina Beach, FL 32034
(904) 277-8418



Vice President & Commercial Lender
Port Royal Center
1700 Ribaut Road
Port Royal, SC 29935
(843) 525-5113

Senior Vice President & Commercial Lender
36 Sea Island Parkway
Beaufort, SC 29907
(843) 525-5115

Asst. Vice President & Commercial Lender
36 Sea Island Parkway
Beaufort, SC 29907
(843) 525-5127