Business Loans
Fidelity Bank has met the needs of businesses since 1974. We understand that every business¹ has its own goals, strategies and opportunities. That’s why we work with you one-on-one to understand your company’s financial needs. We offer a wide array of banking tools to help you do what you do best – run your business.
- Commercial Lending
- Professional and Medical Lending Services
- Residential Construction Lending
- SBA Loans
- Dealer Services
Commercial Lending Services
In addition to the suite of business deposit and treasury management services Fidelity Bank has to offer, Fidelity Bank also offers a complete array of lending solutions for businesses both big and small, and we can tailor a loan to fit your individual needs.
Working Capital Lines of Credit
- Lines of credit for working capital to meet both the needs of seasonal demands as well as those of a growing business.
- Typically with a maturity of 1 year or less. Renewable annually.
- Secured primarily by the accounts receivable and inventory.
Equipment Financing
- Term financing for the acquisition of fixed assets.
- Typically with a maturity date of 3 to 5 years, depending upon the useful life of the equipment.
- Secured primarily by the assets of the business, in particular by the equipment being financed.
Real Estate Financing
- Owner occupied and Investment properties.
- Construction and permanent financing options available.
- Typically with a maturity date of 3 to 7 years based upon a longer amortization schedule.
Information Required to Apply
We recognize that every loan request is unique. However, in order to consider most commercial loan requests, we will need at a minimum, the following financial information:
- 3 years tax returns on the business
- Most recent interim balance sheet and profit and loss statement
- 2 years personal tax returns on individual owners
- Current personal financial statement on the individual owners
For more information please contact the commercial banking offices at 404.240.1523 or commerciallending@lionbank.com
Professional and Medical Lending Services
Fidelity Bank offers a complete set of products and services to meet your professional and personal banking needs based upon the specialized nature of the professional and healthcare industries. In addition to sophisticated treasury management services, we offer a complete suite of lending solutions, including:
- Loans to acquire an existing practice
- Loans to buy-in to a practice
- Loans to buy out a partner
- Loans to finance equipment
- Working Capital Lines of Credit
Residential Construction Lending
Whether a small custom homebuilder or a large builder/developer, we bring a great deal of local market knowledge and industry experience. We employ these strengths for the benefit of your business. We will customize financial solutions to your individual situation in order to allow you greater time to do what you do well. We combine a commitment to excellence and a consistently high level of customer service in all that we do. As a community bank, your project will be evaluated by local bankers that know your business and live in the community in which you are building. You will be assigned an account officer who will be your primary contact for the entirety of your banking relationship and is committed to your success.
To find out more about Fidelity Bank’s Construction Lending services, please call 404.814.8040 or toll free at 888.248.LION (5466). If you prefer, you may also email us constructionlending@lionbank.com.
SBA Loans
Fidelity Bank is recognized as a Preferred Lender by the U.S. Small Business Administration (SBA). Most SBA loans are guaranteed by the SBA and offer longer terms and lower down payments than conventional business loans.
- Certified Development Company/504
- 7(a) and 7(a) pari passu
- Certified Development Company/504 - 7(a) combination
- USDA Guaranty Loan Program
SBA 7(A) Loan Guaranty Program
The most widely used SBA loan.
SBA 7(a) loans are often used for working capital, business expansion or acquisition, and purchase of inventory, equipment, or owner-occupied real estate. We offer loan amounts of $50,000 up to $5 million. Eligibility requirements and credit criteria are very flexible. Primary considerations are the business’s ability to repay the loan from cash flow and the owner's good credit rating.
SBA 504 Certified Development Company Loan Program Long-term, fixed-rate financing for a fixed asset.
SBA 504 loans are the flexible way to finance a long-term building or equipment acquisition project of $500,000 to $5 million. Businesses can often buy property with a lower down payment and repay the loan over terms as long as 20 years.
USDA Guaranty Loan Program
These loans have a much higher guaranty than traditional SBA loans.
Dealer Services
With a long history of serving the automobile dealer community, Fidelity Bank is committed to personal service, strong dealer relationships and flexible financing programs. Our Marketing Managers, along with our Loan Officers, are dedicated solely to the dealers and seek to provide personalized service to each one of their customers.
Fidelity Bank can help drive your dealership toward greater success with:
- Competitive rate structure and comprehensive programs for all customer types
- Personalized service with NO automated computer declines
- Fast loan funding to keep your contracts in transit to a minimum
- Unique & Innovative programs that equip the dealer to maximize approval rates
- Fast and efficient online application system through
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Programs designed to maximize your dealership’s bottom line:
- College Graduate Program
- 90 days to first payment
- Lionshare Spot Delivery program
- Information on all Fidelity Bank programs is also available on DealerTrack
Dealer Customers also have access to:
- Full range of personal and business accounts
- Access to World Class customer service from our branch network and telephone customer service professionals
- 24 hour access to loan information, including payoffs, through our IVR voice response system
To find out more about Fidelity Bank’s Dealer Services Department please call 800.618.3394. If you prefer, you may also email us at dealerservices@lionbank.com.
To obtain a loan payoff quote please call 888.248.5466 (24 hours a day/ 7 days a week), or online at DealerTrack.
- Loans and lines are subject to credit and underwriting approval.