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Growing Your Business

Flexible financing resources provided by experienced bankers

Working Capital and Seasonal Lines of Credit

Manage your cash flow more effectively with a line that is structured to meet your needs. Our rates are very competitive and your line is available to pay down and use again as you need to.

Equipment Leasing

A great alternative to term loans for small businesses looking for short-term savings in machinery and equipment, without having to tie up cash or unnecessarily draw down as existing line. Leasing is especially practical for business equipment that becomes outdated before it is paid off.

For more information on First South Leasing, please click here.

SBA Loans

As an SBA Preferred Lender, we partner to provide you favorable financing alternatives through selected Small Business Administration guaranteed loans. These loans have favorable qualifying guidelines with low down payments, fixed and variable interest rates, and longer repayment terms. SBA loans are an attractive financing option for growing small businesses.

For more information regarding SBA Loans, please visit the Resources page.

Commercial Real Estate

Real Estate lending is a focus at First South with experienced bankers able to deliver a full array of mortgage financing for business owners, income property investors, residential builders, and developers of residential and commercial projects.

If you're searching for a lender for your construction or development project, look no further!  Our Builder Finance Officers have the expertise and specialization in these areas to guide you through your next endeavor. To find the officer nearest you, please visit our Locations.

Asset-Based Lending

Through a partnership with Chesapeake Bank, First South is proud to offer asset-based lending to its customers. This program allows business owners to have immediate funds availability through their receivables, turning invoices into cash. Asset-Based lending provides immediate relief from cash flow stresses making it easier for you to focus on the growth of your business.