Commercial Loans

Let us help you find the right commercial lending solution.

C&F Bank’s Commercial Lending team is here to understand the needs of your business and make a recommendation that is tailored to you. We offer a wide variety of commercial loans, ranging from short-term to long-term financing needs, as well as commercial real estate investment loans for both owner occupied and non-owner occupied properties.

Our highly experienced personnel have expertise in dealing with loans for the acquisition and development of a wide variety of real estate projects, from the construction of sanctuaries for new or expanding churches to the construction of multi-family units. C&F is also experienced in handling projects backed by Historic Tax Credits, and we currently handle U.S. Small Business Administration (SBA) 7(a) programs.

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Call or stop by any of our banks today and speak with a relationship manager to apply for a commercial loan or line of credit.

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All our commercial loans come packed with these standard services

  • Competitive interest rates and terms

  • Streamlined application process

  • A variety of financing options to choose from

  • Convenient loan management through Online and Mobile Banking

Commercial Loan Products

Short-Term Working Capital Loans

C&F Bank offers annually renewable credit facilities with floating interest rates to provide cash flow for operations, as well as contract line of credit financing to fund major, one-time projects. Accounts feature an automated sweep function to minimize interest expense. Borrowers make monthly, interest-only payments with principal reductions based on the borrower’s cash flow. The loans are secured by receivables and inventory.

Commercial Term Loans

Borrowers can select five- to seven-year notes with fixed or floating rates to cover merger and acquisition costs or to purchase equipment and other fixed assets.

Commercial Letters of Credit

C&F Bank issues standby letters of credit for vendor support and surety needs as well as state sales tax and commercial import letters of credit.

Commercial Construction Loans

C&F Bank can provide phased financing from land acquisition through development, construction and occupancy for distribution, retail, industrial and office properties.

We also offer land acquisition and development loans for commercial and residential real estate projects.

Commercial Real Estate Mini-Perm Loans

We offer permanent financing on owner-occupied commercial buildings and distribution, retail, industrial, multi-family and office properties purchased for investment. These three- to five-year loans typically have a fixed rate and 15- to 20-year amortizations.

Homebuilder Loans

C&F Bank caters to homebuilders with individual construction loans as well as revolving builder lines of credit for financing the acquisition of developed lots and the construction of pre-sold homes, sales models and speculative units. For land developers we can provide project specific land acquisition and development loans and letters of credit.

Government Guaranteed Loans

We collaborate with the U.S. Small Business Administration (SBA) to provide guaranteed equipment and working capital financing through SBA’s 7a program and loans for fixed assets via its 504 program.

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