Commercial Real Estate Loans

Are you looking to acquire new commercial property? Is your business ready to expand? Whether your next step is to buy, build or enhance commercial property, we can tailor a financing solution to suit your plans. Refinance options are also available.

  • Financing is secured by the real estate
  • Fixed or variable interest rates
  • Flexible terms

Small Business Loans

Obtain the financing your new or growing business needs to get to the next level. Unlike traditional financing, Small Business Administration (SBA) Loans can be especially helpful for qualified small businesses that may not meet conventional lending standards.

  • Low down payment
  • Fixed or variable interest rates
  • Flexible terms
  • Low monthly payments

Equipment Financing

When you need to purchase equipment, machinery, vehicles or other necessities we can work together to create a loan or line of credit that’s unique to your situation.

  • Financing is secured by the purchase
  • Fixed or variable interest rates
  • Flexible terms

Lines of Credit

When unexpected expenses arise or your business needs fast access to cash, having an approved line of credit ready to use can keep operations running smoothly.

  • Draw from your credit line and repay as needed
  • Pay interest only on the amount you draw

Letters of Credit

Our team can create an import, export or standby letter to strengthen your business’ negotiating power.

  • Improve cash flow in the U.S. and abroad
  • Structured to meet the needs of your specific trade or standby transaction
  • Our team can help explore new angles that can easily get overlooked

Lenders

  • Cullman, AL

    Stephen McRea

    Senior Vice President, Personal, Business & Real Estate Lending

    Cullman County, AL

    Office: 256-774-9570 x 2025

    Direct: 256-774-9567

    Cell: 256-339-8326

    Fax:

    NMLS #1234235

    Misty Shannon

    Vice President, Personal, Business & Real Estate Lending

    Cullman County, AL

    Office: 256-774-9570 x 2026

    Direct: 256-774-9568

    Cell: 256-338-9070

    Fax:

    NMLS # 770189

  • Giles County, TN

    Patrick Gilbert

    Senior Vice President, Personal, Business & Real Estate Lending

    Giles County, TN

    Office: 931-363-2585 x 1050

    Direct: 931-424-2157

    Cell:

    Fax:

    NMLS #541286

    Jim Tompkins

    Vice President, Personal, Business, Real Estate & Construction Lending

    Giles County, TN

    Office: 931-363-2585 x 1052

    Direct: 931-424-2163

    Cell:

    Fax:

    NMLS # 971390

    Derek Hagan

    Vice President, Personal, Business & Real Estate Lending

    Giles County, TN

    Office: 931-363-2585 x 1054

    Direct: 931-424-2135

    Cell:

    Fax:

    NMLS # 155968

    Jennifer Hallmark

    Vice President/Personal, Business & Real Estate Lending

    Giles County, TN

    Office: 931-363-2585

    Direct: 931-424-2156

    Cell:

    Fax:

    NMLS # 775192

    Griffin Birdsong

    Assistant Cashier/Personal, Business & Real Estate Lending

    Giles County, TN

    Office: 931-363-2585 x 1017

    Direct: 931-424-2185

    Cell:

    Fax:

    NMLS # 2154238

  • Limestone County, AL

    Jeff Hodges

    Executive Vice President/Executive Officer, Manager of North Alabama Operations,Personal, Business & Real Estate Lending

    Limestone County, AL

    Office: 256-216-6373

    Direct: 256-216-2045

    Cell:

    Fax:

    NMLS # 541290

    Russ Mitchell

    Senior Vice President, Personal, Business, Real Estate & Construction Lending

    Limestone County, AL

    Office: 256-216-6373

    Direct: 256-216-2042

    Cell:

    Fax:

    NMLS # 339902

    Crystal Tucker (Ardmore)

    Vice President, Personal, Business & Real Estate Lending

    Limestone County, AL

    Office: 931-427-2171

    Direct: 931-427-2172

    Cell:

    Fax:

    NMLS # 541305

    Monica Nelson (Athens)

    Vice President, Personal Lending

    Limestone County, AL

    Office: 256-216-6373

    Direct: 256-216-2044

    Cell:

    Fax:

    NMLS # 541299

    Toyna Carter (Athens Downtown)

    Vice President, Personal, Business & Real Estate Lending

    Limestone County, AL

    Office: 256-233-8553

    Direct: 256-233-8555

    Cell:

    Fax:

    NMLS # 440137

    Jan Price (Ardmore)

    Vice President, Personal, Business & Real Estate Lending

    Limestone County, AL

    Office: 931-427-2171

    Direct: 931-427-2175

    Cell:

    Fax:

    NMLS # 1675377

    Brooke Burns (Athens Downtown)

    Vice President/Personal, Business & Real Estate Lending

    Limestone County, AL

    Office: 256-233-8553 x 1220

    Direct: 256-998-5051

    Cell:

    Fax:

    NMLS # 1389089

    KaDaija Madden (Athens)

    Assistant Cashier/Personal, Business & Real Estate Lending

    Limestone County, AL

    Office: 256-216-6373

    Direct: 256-216-2039

    Cell:

    Fax:

    NMLS # 2433739

  • Lincoln County, TN

    Jeff Alder

    Senior Vice President, Personal, Business, Real Estate & Construction Lending

    Lincoln County, TN

    Office: 931-433-5855 x 1429

    Direct: 931-438-6875

    Cell:

    Fax:

    NMLS # 541279

    Melissa Stevenson (Park City)

    Assistant Vice President, Personal Lending

    Lincoln County, TN

    Office: 931-433-9124 x 1523

    Direct:

    Cell:

    Fax:

    NMLS # 1450132

    Savannah Cox (Fayetteville)

    Assistant Cashier, Personal Lending

    Lincoln County, TN

    Office: 931-433-5855

    Direct: 931-438-6876

    Cell:

    Fax:

    NMLS # 2548114

    Tommy Stevenson

    Vice President, Personal, Business, Real Estate & Agriculture Lending

    Lincoln County, TN

    Office: 931-433-5855

    Direct: 931-438-6867

    Cell: 931-607-8819

    Fax:

    NMLS # 469942

    Josh Richardson (Park City)

    Vice President, Personal, Business & Real Estate Lending

    Lincoln County, TN

    Office: 931-433-9124 x 1525

    Direct: 931-438-1446

    Cell: 931-625-0976

    Fax:

    NMLS # 1217470

    Will Eldridge (Park City)

    Assistant Cashier/Personal, Business & Real Estate Lending

    Lincoln County, TN

    Office: 931-433-9124

    Direct: 931-438-1445

    Cell:

    Fax:

    NMLS # 2436025

  • Madison County, AL

    Andy Whitt (Huntsville)

    Senior Vice President, Personal, Business & Real Estate Lending

    Madison County, AL

    Office: 256-532-2279 x 1625

    Direct: 256-532-2290

    Cell: 256-874-8668

    Fax:

    NMLS # 541306

    Chris Lindsey (Town Madison)

    Senior Vice President, Personal, Business & Real Estate Lending

    Madison County, AL

    Office: 256-325-4300 x 1728

    Direct: 256-325-4345

    Cell:

    Fax:

    NMLS # 779556

    Van B. Hose (Town Madison)

    Vice President, Personal, Business & Real Estate Lending

    Madison County, AL

    Office: 256-325-4300 x 1726

    Direct: 256-325-4341

    Cell:

    Fax:

    NMLS # 541292

    Taylor Gilbert (Town Madison)

    Assistant Cashier/Personal, Business & Real Estate Lending

    Madison County, AL

    Office: 256-325-4300

    Direct:

    Cell:

    Fax:

    NMLS # 2343729

    Read Crawford (Huntsville)

    Vice President, Business, Real Estate & Construction Lending

    Madison County, AL

    Office: 256-532-2279 x 1624

    Direct: 256-532-2292

    Cell: 256-425-4060

    Fax:

    NMLS # 686751

    Jay Morris (Huntsville)

    Vice President, Business & Real Estate Lending

    Madison County, AL

    Office: 256-532-2279

    Direct: 256-532-2293

    Cell:

    Fax:

    NMLS # 1222952

  • Marshall County, TN

    Larry Lance

    Senior Vice President, Personal, Business, Real Estate & Construction Lending

    Marshall County, TN

    Office: 931-359-5900 x 1827

    Direct: 931-359-8478

    Cell:

    Fax:

    NMLS # 541296

    Elizabeth Jackson

    Vice President, Personal, Business, Real Estate & Agriculture Lending

    Marshall County, TN

    Office: 931-359-5900

    Direct: 931-359-5946

    Cell:

    Fax:

    NMLS # 541293

    Troy Cross

    Vice President, Personal, Business, Real Estate & Construction Lending

    Marshall County, TN

    Office: 931-359-5900

    Direct: 931-359-5962

    Cell:

    Fax:

    NMLS # 541283

Please talk with a representative for fee schedule.