USDA Loans

USDA Loans

  • Business & Industry (B & I)
  • Farm Service Administration (FSA)
  • Community Facilities (CF)

SBA & USDA loans are specifically designed for small businesses, are guaranteed by the government, and have numerous advantages when compared to conventional bank financing.

  • Lower down payment requirements
  • Loan amounts up to $5,000,000
  • Longer repayment terms of up to 30 years
  • Less restrictive collateral requirements for businesses with good cash flow but have a collateral deficiency
  • Loan proceeds can be used to purchase owner-occupied commercial real estate, equipment, inventory, refinancing debt, working capital or acquiring an existing business
  • No balloon payments
  • SBA loans can be structured so the small business has one loan payment when there are multiple needs

Community Bank’s commitment to small business means we will support you at every stage of the process by providing personal service, flexible financing options to meet the unique needs of your business, and a streamlined loan process from application to closing.

Contact any of our lenders at 706-253-9600 for more information about these programs.
Community Bank of Pickens County is proud to be recognized as a Preferred Lender with the SBA.

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Our offices will be closed Monday, July 4, 2022 in observance of Independence Day. Online services will be available.