Small Business Loans

Get the Financial Freedom You Need to

Drive Your Business Forward

Running a small business takes dedication, determination, and the right financial tools. From managing daily operations to planning for future growth, small business owners face unique challenges—and at Capital Bank, we’re here to help.

Our Small Business Banking Specialists provide the expertise, resources, and financing solutions you need to help your business grow.

Our Small Business Loans offer up to $500,000 to support a variety of business needs. Capital Bank proudly participates in programs like the U.S. Small Business Administration (SBA) program, which provides guaranteed loans for working capital, equipment purchases, and real estate projects such as construction, renovation, or acquisition.

Benefits

Payments are automatically deducted from a Canal Bank checking or savings account
Saves time and money
Competitive rates
Quick turnaround time for decision and closing

Applying is simple! Visit any of our branches or complete an application today. For more information, contact one of our Small Business Loan Specialists at 800-836-3711, and let us help your business take the next step forward.

Term Loan

Invest in major purchases such as plant or office equipment, computer systems, vehicles, or machinery
Fixed interest rates
Maximum seven-year term

Lines of Credit

Access funds immediately for working capital, funding accounts receivable, and inventory turnover
Variable interest rates; adjusted daily
Interest-only payments
Three-year renewal period; no out-of-debt period

Overdraft Line of Credit

Provide overdraft protection for a Capital deposit account
$1,000 to $10,000
Three-year term

Mortgage

Purchase or expand commercial and multi-family property
Interest rate fixed for the first five years, then adjustable every five years thereafter
Maximum 20-year term

Commercial Equity Line of Credit

Just like a home equity line of credit, but on a commercial/multi-family property
Variable interest rate; adjusted daily
Five-year draw period followed by a five-year renewal period or termed out
Monthly payments based on a 15-year amortization

Effortless Money Management

Business
Checking

Business checking accounts designed to keep you moving forward.

Smart Spending, Made Simple

Business
Credit Card

A business credit card designed to keep up with your success.

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