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Small Business Loans
Loans & Mortgages Small Business Loans

We're in Business.

As a business owner, you are always looking for new opportunities to expand and grow your business. Athens Federal has the flexible financing options for everythingfrom acquiring a business to purchasing a new building or new equipment to funding seasonal working capital. Whatever the stage of your business, our specialists are prepared to be strategic partners and help you choose the best products to fit your specific needs.

Small Business Line of Credit

A line of credit is ideal for small businesses that need quick and easy access to cash over short periods of time to help purchase inventory or manage seasonal cash flow fluctuations.
  • Access to working capital/cash when you need it
  • Competitive variable rates
  • Can be used for overdraft protection

Small Business Term Loans

We offer a variety of term loans to help your business purchase capital goods and equipment, fund a change in ownership, or consolidate debt. Our expert loan officers will structure the loan by evaluating your existing debt obligations and assessing your cash flow.
  • Acquire machinery, equipment, or other assets with fixed monthly payments
  • Increase your working capital to help you grow your business
  • Strengthen your competitive position by obtaining the equipment and assets you need to operate more efficiently.

Small Business Administration Financing

Small Business Administration (SBA) loans can be used to start or acquire a business, purchase equipment, and refinance or acquire inventory or working capital. We will partner with you to understand your business, and your short and long term goals, to determine if a SBA loan is right for you.
  • Long-term financing
  • Improved cash flow
  • Lower down payments
  • Competitive interest rate
  • Flexible terms and conditions

If you would like additional information about Small Business Loans, please complete the short form below or contact a loan officer.

All loans are subject to credit approval and loan guidelines.

Want more information about Small Business Loans? Let us know!

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Shane Sewell, VP, Chief Lending Officer
For larger business and corporation loan options, visit the Commercial Business Loans section of our website.