Small Business Financing

 

Funding solutions to grow your business.

Whether you’re increasing your inventory or expanding your business, a business loan can be the lifeblood of your business. We offer growing businesses a variety of flexible financial alternatives tailored to meet your unique borrowing needs. Also, as a SBA Express Lender and participant of the Preferred Lender Program, we can provide you with additional SBA benefits. 

 

 

Understanding Your Loan Options

Our loans and lines of credit offer flexible terms, fast turnaround times and your choice of payment

date.

 

Lines of Credit


 

Business Line of Credit

A business line of credit offers your business flexible access to funds at a competitive rate by drawing the line up and down as needed to fund cash flow or other short term funding needs. Our fixed-rate option* allows you to lock in the rate on set portions of your loan for financing larger purchases without having additional loan payments. You can also link to your checking account to use for overdraft protection.

 

Business Equity Line of Credit

A Business Equity Line of Credit has the same flexibility and features as the regular business line of credit, but allows you to utilize the equity in your home to secure larger line amounts. Up to 100% of your paid interest may be tax deductible. Consult your tax advisor regarding deductibility. Not available in Texas.

 

Business Credit Cards

Offering two different options, Hancock and Whitney Bank credit cards are a revolving credit option with additional benefits that assist you in your daily business.

 

Term Loans


 

Term Loans

Finance equipment or vehicle purchases, building expansion or any other project that requires long-term financing with predictable monthly payments and a fixed-rate. Terms vary based on loan purpose.

 

Construction Loans

When you need to build it, we’re here to help you break new ground. Borrow funds to acquire land and construct owner-occupied buildings or investment properties, and during the construction phase, only pay interest on the amount borrowed. Our experienced loan officers can help you negotiate the unique challenges and opportunities in the construction industry.

 

Leasing

We understand how important it is to increase the productivity of your business. We’ll manage the heavy lifting and purchase equipment for you, then design a lease best suited to your needs. This allows you to conserve capital and in many cases, even enjoy tax benefits. Consult your tax advisor. Learn more about our equipment leasing options.


 

Ready to apply?

Stop by any of our branch locations to speak with a loan specialist.

Find a Branch

 

* Fees and restrictions may apply.