Services Business loans
Funding for Tidewater businesses
Term loans and revolving lines from $10,000 to $500,000 — underwritten by people who shop on your street.
Capital that keeps your pace
Whether you are opening a second location, buying equipment, or smoothing out seasonal cash flow, your advisor structures repayment around how your business actually earns.
What is included
- Expansion & second sites
- Equipment financing
- Inventory & restocking
- Hiring & payroll cover
- Revolving credit lines
- Seasonal payment plans
$500k
Max loan amount
6.4%
APR rates from
10 yrs
Longest term
48 hrs
Decision time
From application to growth
Share your books
Twelve months of statements plus a one-page plan for the funds. Most owners finish in under an hour.
Structure the terms
Your advisor proposes amounts, rates, and a payment rhythm matched to your cash-flow seasons.
Put it to work
Sign once, draw funds as needed, and review your line with us every year as you grow.
“They funded our second oven before the holiday rush. Payments dip in January when we are slow — that sold me.”
James L., bakery owner in Norfolk Business loan FAQs
Two years of operating history is the standard benchmark. Younger businesses can still qualify with strong revenue and a larger down payment.
One-time purchases like equipment suit a term loan; ongoing needs like inventory suit a revolving line you draw and repay as needed. Many owners hold both.
Loans under $50,000 are usually unsecured. Larger amounts may secure against equipment or receivables — your advisor lays out both options side by side.
We map your annual revenue curve, then set lower payments in slow months and higher ones in peak season — same total, far less stress.
Let's fund your next chapter
Bring your books and your plans — we'll bring the structure and the speed.