Business Loans

Exchange Bank understands your commercial needs, we are committed to the ongoing strength of our local economy, and our commercial loans are designed to meet those needs. Our loan officers are capable of tailoring a loan to fit your business now and to anticipate your future goals. Please talk with us about financing for expansion, remodeling, equipment, working capital and other business needs. All lending and credit decisions are made quickly, and they are made locally by lending professionals who know this market and understand your needs. Our commercial loan programs include:

Annual Lines of Credit

Valuable source for working capital

Construction Loans

Flexible financing while constructing or adding on to a building

Commercial Mortgages

Loans for real estate purchases

Term Loans

Use for equipment purchases or acquisition of a business with repayment over a number of years

Letter of Credit

Designed for customers who need an irrevocable guarantee of payment from the bank

Construction Line of Credit for Builders

Special line of credit for full-time professional home builders

SBA Loans

Work closely with our SBA loan expert to find the perfect loan for your business

Commercial Investment Line of Credit

A line of credit secured by multiple investment properties

Visa Business

The world’s most widely accepted credit card gives you purchase power right at your fingertips. Visa Business allows you to take control of expenses – you set the limit on your employee’s card, you choose to pay your monthly balance in full or take advantage of flexible payment. Print and complete an application today!

Commercial Overdraft Lines of Credit

Designed to keep you covered during times of need. The credit line is tied directly to your checking account and sweeps in increments of $100 to keep your checking account from being overdrawn. It will keep you covered and give you peace of mind.

Call and speak to a loan officer today at (256)547-2572.

XBA Financial ServicesGadsden Mortgage Services
Regular Office Hours: 256.547.2572 | Exchange Info Line 256.570.0999
Member FDIC Equal Housing Lender SBA Preferred Lender ©2015 Exchange Bank of Alabama™. All rights reserved.