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The Right Loan for Your Business

Commercial Real Estate Loan

Business Auto Loan

Equipment Loan

Business Lines of Credit

Loan Purpose

Purchase or refinance commercial property

Purchase new or used vehicles for business use

Purchase or refinance new or used business equipment

Flexible working capital needs

Loan Amount

Varies

Varies

Varies

Varies

Terms

Flexible; customized

Up to 84 months

Customized based on equipment

Revolving; renewable annually

Collateral Required

Yes

Yes

Yes

May be required

Features

Fixed or variable rate; for owner-occupied or investment properties

Competitive fixed rates; quick approval; finance one or a fleet

Fast processing; fixed rates; includes heavy machinery

Only pay interest on funds used; quick access to funds

Flexible Funds When You Need Them

Operating Lines of Credit

Smart, accessible financing to help your business stay ready for anything.

  • Low, competitive rates for seasonal needs, working capital, trade discounts, and more.
  • Greater financial flexibility with repayment tailored to your business.
  • Revolving credit option—reuse funds as you repay the principal.
  • Easy access to funds in person, online, or over the phone.
Apply Now

Put Your Equity to Work

Business Equity Line of Credit

A smart way to access lower rates and flexible funding by leveraging your business’s equity.

  • Use the equity in your business real estate as collateral for your line of credit.
  • Secure lower rates by backing your credit with business assets.
  • Access funds easily in person, online, or over the phone.
Apply Now

Big Support for Small Business

Small Business Lines of Credit

Flexible credit solutions to help you manage day-to-day needs and seize new opportunities.

  • Low, competitive rates for short-term or seasonal needs like inventory, equipment, and working capital.
  • Both secured and unsecured options available to fit your business.
  • Secure your credit with funds in a TVFCU business share account or share certificate.
Apply Now

Let’s Make It Happen

How to Apply

Our team is here to guide you every step of the way.

  • Call us at 423-634-3600 to speak with a lending specialist and get current rates.
  • Apply now through our online portal.
Meet Our Lenders

Meet Our Business & Commercial Services Team

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Ryan Henn

AVP Manager of Commercial Lending

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Shannon Amos

Commercial Lender - North Georgia

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Gene Owenby

Business Lending Manager - Cleveland Area

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Marcela Corral

Business Lender - North Georgia

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Drew Holbrook

Senior Commercial Lender & Market Leader

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Nancy Hale

Commercial Lender

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Mark Fant

Business Lender/Indirect lending

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Josh Denton

Business Lender

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Frequently Asked Questions

Yes! We customize repayment schedules based on your business’s unique cash flow and needs.

With a revolving option, as you repay the principal, those funds become available again—so you can borrow, repay, and borrow again without reapplying.

Not necessarily—operating lines can be unsecured, but securing your line with a business share account, share certificate, or the equity in your property can help you secure lower rates.

Whether you’re paying your TVFCU loans or making payments from another financial institution, tvfcuPAY offers a convenient and secure solution, accessible through YOUR$, by calling us, or by logging in to the tvfcuPAY portal directly.

Pay your TVFCU loans using funds from your TVFCU accounts or other financial institutions, enjoy an intuitive platform designed for ease of use, and rest easy knowing your information is protected with advanced security measures.

Business Banking Solutions

BUSINESS CHECKING

A Solid Foundation for Growth

It all starts with checking. Explore our tailored account options.

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BUSINESS SAVINGS

Make the Most of Your Cash Reserves

TVFCU provides more ways to keep your business’s money growing.

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MERCHANT SOLUTIONS

Simplify Your
Day-to-Day Operations

Streamline your business operations with BancCard’s powerful payment solutions.

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