Lines of Credit

If you need the flexibility of access to capital, we can design a line of credit program to suit your needs. Use it to better manage your cash flow, take advantage of special purchase opportunities, or for emergency situations. We are able to offer revolving lines of credit, competitive interest rates, interest only payment options, and an easy extension process.

Secured and Unsecured Installment Loans

A term loan, either secured or unsecured, is most often the option that business customers choose when borrowing money to finance business needs.

Ask us about financing for:

  • Equipment
  • Vehicles
  • Furniture and Fixtures
  • Inventory
  • Livestock
  • Expansions
  • Debt Restructuring
  • Small Business Administration Loans

Small Business Administration (SBA) Loans

Click here to view the current COVID-19 SBA Disaster Loan Options


The Bank of Fincastle is a Preferred Small Business Lender through the SBA. Small businesses are important to community growth, creating jobs, advancing technology and contributing valuable tax dollars to the area. To help small businesses compete in today’s competitive marketplace, The Bank of Fincastle has joined with the Small Business Administration to offer SBA guaranteed financing to qualified borrowers. Our partnership benefits small-to-medium businesses which think big and have the management experience to turn plans into reality. If you have a worthwhile business expansion or investment need, we have medium and long-term financing programs available at competitive rates.

SBA loans can be used for the following business purposes:

  • Construction of new commercial buildings
  • Purchase of existing land or buildings
  • Business acquisition
  • Renovation and improvements
  • Financing equipment, furniture or fixtures
  • Finance increase in inventory
  • Working capital

Letters of Credit 

At the request of our most credit-worthy customers, a letter of credit may be issued that guarantees a buyer’s payment to a seller.

For details about specific loan products, terms, conditions and rates, contact our commercial lending professionals, Sandra Craft in Daleville at 540-473-2761.