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Business and Commercial Lending

Every successful business needs a reliable source of capital, and we can provide the financing you need for ongoing operations, expansion and other business purposes. Whether short-term or long-term, secured or unsecured, we have the flexibility to structure loans according to your specifications, including:

  • Financing of owner occupied and non-owner occupied properties
  • Secured term loans for equipment needs
  • Lines of credit for short-term needs
  • SBA lending

All our business loans feature:

  • Competitive low rates
  • Flexible financing terms
  • Variety of repayment options
  • Easy online bill payment
Capital Acquisition or Improvements

Your business’s profits depend on having the right tools to get the job done. Whether you’re purchasing machinery or electronics, furnishings or appliances, an equipment loan will ensure you have everything you need to succeed.

Equipment loans cover the costs of brand-new items, as well as any upgrades or replacements that you’ll inevitably need over the years.

Working Capital Loans

Working capital loans are available to help finance normal expenses in your business’s day-to-day operations such as employee wages.

Agricultural Loans

We support our local farmers with agricultural loans for a variety of purposes, including:

  • Crop operations
  • Equipment financing
  • Livestock development
Real Estate Development

Is a property purchase the smart move for you and your business? Our real estate loans offer fixed- and variable-rate options with flexible terms for owner and non-owner occupied real estate, including:

  • Industrial Properties
  • Commercial Properties
  • Mixed-Use Properties
  • Retail Properties
  • Rental Properties

If you’re ready to be your own landlord and gain valuable equity from a business real estate purchase, then this is the loan for you.

Lines of Credit

Take control of your cash flow needs by accessing a business line of credit. This is a flexible option when you want to

  • Capitalize on seasonal opportunities
  • Cover construction costs as you expand
  • Help protect against unexpected expenses

We offer a wide range of options, so whether you’re looking for a small loan to supplement your revenue or a larger loan to take advantage of a new business opportunity, a line of credit can help.

How to Apply for a Loan

To apply for any loan offered through Lumbee Guaranty Bank, simply drop by any of our convenient locations today. Our friendly and helpful staff will assist you every step of the way to quickly approve and fund your loan.