At West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank, we’re serious about supporting the small businesses that help our local economy thrive. We’re here to support you with loans to assist you with your working capital, equipment, leasehold improvements, and other business lending needs to help your business grow.
Lines of Credit
We’re here to help with your short term borrowing needs to manage your ongoing and seasonal cash flow fluctuations for your business such as inventory, payroll, and account receivables.
When the time comes to purchase the equipment you need to grow your business, West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank offer competitive financing with flexible terms and options. Our Commercial Lenders can offer loan terms that correspond with the life of the equipment, repayment arrangements based on your cash flow and flexible collateral options.
We can offer agribusiness loans that are structured on a revolving, seasonal, or term basis with repayment terms structured to work with your cash flow for warehouse operations, farm machinery, crop production, livestock production and agricultural land purchases.
Business Owner Occupied Real Estate Loans
West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank offer competitive financing for the purchase of new office space, a manufacturing facility, a warehouse to store inventory, or to refinance existing business real estate.
Our experienced lenders can assist you with a construction loan to help you build a new building or to improve your current property.
The USDA Business & Industry Guaranteed Loan Program is intended to improve, develop, or finance business, industry, and employment to improve the economic and environment climate in rural communities. West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank have a team of lenders who are experts in USDA lending and can assist you in determining if your business qualifies.
Let the government help you obtain bank financing for your business. The Small Business Administration (SBA) was created to assist American small businesses. The most important function of this agency is their loan guarantee program - which helps businesses obtain financing through banks. This includes improvement of assets, refinancing existing debt and working capital.
The members of the West Town Bank & Trust and Albemarle Bank & Trust, a West Town Bank commercial lending team stand ready to assist you with turning your plans and goals for your business into reality!