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Business Loans and Lines of Credit

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Business Loans and Lines of Credit

From a Business Lender Who Believes in Your Community

Whether you hear opportunity knocking or see an industry disruption in the making, we’re here to help get you on the right track, with top-of-the-line small business lending solutions and award-winning customer service. Find your fit below. 

We've always got your back.

Our business bankers offer deep industry knowledge, financial expertise, and personalized guidance. With their support, our customers can confidently navigate complex financial landscapes, make informed decisions, and achieve their business goals.

A partnership with United is more than just financing or banking services—it's a relationship built on trust, shared values, and accessibility, with a banker who's never more than a phone call away.
 

employees running a business

Working Capital Line of Credit

When business is slow but you’ve got bills to pay, a working capital line of credit can help you meet short-term financial goals. Delivering credit for maximum financial flexibility, a line of credit meets your short-term financing needs like cash-flow management fluctuations and unexpected business expenses.
 
commercial building

Real Estate Lending

Simplify the process of building or buying facilities for your organization when you partner with our commercial real estate lending experts. We offer comprehensive commercial real estate lending solutions designed to meet the unique needs of your business.
women applying for a business loan

Apply for a Business Loan in Minutes

Existing United Community customers can use Business Minute Lender2 to apply for a loan or line of credit3 up to $25,000. It only takes a few minutes, and you can have your funds within three days or less.

small business owner with a United Community SBA lender

SBA Lending with United Community

As an SBA Preferred Lender, our products offer you the financing you need to reach your goals faster. Whether you are starting your own business, making large purchases (commercial real estate or equipment), building, or renovating we are ready to assist you with the financing your business needs to succeed.
 

Don't see the type of business loan you're looking for?

View our Specialty Lending Options

Connect with a business lending specialist to get started.

Find Your Local Business Relationship Manager

Preston Adcock

VP - Relationship Manager

Victor Alberto Acieta

Commercial Relationship Manager

NMLS# 1232256

Steve Altier

Commercial Relationship Manager

NMLS# 1097675

Bryant Anderson

Commercial Relationship Manager

Tim Barbour

VP - Relationship Manager

NMLS# 583675

Amy Benison

SVP - Commercial Relationship Manager

Marianne Borton

SVP - Commercial Relationship Manager

NMLS# 2426449

Brad Brooker

VP - Relationship Manager

Brian Brooks

President, Commercial Banking - Athens

Jami Bucy

Commercial Relationship Manager

NMLS# 1196707

Kirby Butler

SVP - Commercial Relationship Manager

NMLS# 826820

Jeff Campbell

SVP - Portfolio Manager

NMLS# 1500785

Luke Chill

SVP - Commercial Relationship Manager

NMLS# 2451101

Mark Ciotti

SVPP - Commercial Relationship Manager

NMLS# 476868

Tom Coker

Commercial Relationship Manager

Roberto Crichlow

SVP - Commercial Relationship Manager

Charlie Curtis

President - Lake Norman Metro

Melissa D'Orazio

Commercial Relationship Manager

NMLS# 673921

Joseph Dear

Commercial Relationship Manager

Craig Dowdy

President - East Atlanta

Hunter Duggan

AVP - Relationship Manager

NMLS# 2184572

Griffin Duncan

SVP - Commercial Relationship Manager

Jill Edwards

SVP - Commercial Lending Division Manager

Fred Faulkner

SVP - Commercial Relationship Manager

NMLS# 1160338

Veronica Flores

President - Miami Market

Jarrod Floyd

SVP - Commercial Relationship Manager

NMLS# 1704624

Barry Forbes

Commercial Relationship Manager

NMLS# 2098518

Joe Ford

VP - Relationship Manager

NMLS# 1110453

Rick Frazier

SVP - Commercial Relationship Manager

NMLS# 787363

Julie Gaines

SVP, Structured Finance Group - FL & NC Markets

Scott Garcia

SVP - Commercial Relationship Manager

NMLS# 827372

Lou Garcia

SVP - Commercial Relationship Manager

Austin Garrett

Portfolio Manager

Scott Garrett

SVP - Market President

Bill Geeslin

SVP - Commercial Relationship Manager

Brent George

SVP - Commercial Relationship Manager

Rudy Gill

SVP - Commercial Relationship Manager

NMLS# 718970

George Gornowicz

SVP - Commercial Relationship Manager

Dorsey Grist, Jr.

SVP - Commercial Lending Division Manager

Ann Bennett Hamiter

SVP - Commercial Relationship Manager

NMLS# 579540

James Harris

VP - Relationship Manager

NMLS# 583692

Chris Hayward

Commercial Relationship Manager

Daniel Hearn

Commercial Relationship Manager

Salita Hill

Commercial Relationship Manager

Laura Hodge

SVP - Commercial Relationship Manager

NMLS# 1598695

Crane Holland

Commercial Lending Division Manager

Stewart Holmes

Triad Market President

Kelly Holmes

SVP - Commercial Relationship Manager

Angie Hooper

VP - Relationship Manager

NMLS# 788809

Sam Hulsey

Commercial Relationship Manager

NMLS# 787362

Kristy Hunter

Commercial Relationship Manager

Sandi Jernigan

SVP - Commercial Relationship Manager

Kevin Kelly

SVP - Commercial Relationship Manager

NMLS# 1097685

Song Keovongsak

Commercial Relationship Manager

Beth Lemke

VP - Commercial Relationship Manager

NMLS# 838090

William Marcus

SVP - Commercial Relationship Manager

Martina Martin

VP - Commercial Relationship Manager

Chad Massengill

VP - Branch Manager

NMLS# 462733

Luci McDuffie

SVP - Commercial Relationship Manager

Caleb McFaddin

Asset Based Lending Division Manager

Dawn McGovern

Commercial Relationship Manager

NMLS# 554549

Allie Mikle

CRE Commercial Relationship Manager

Sam Miles

Commercial Relationship Manager

Kim Mode

SVP - Commercial Lending Division Manager

Victor Mogollon

Commercial RE Relationship Manager

Leslie Morris

SVP - Commercial Relationship Manager

Tonya Nix

Relationship Manager

Mike O’Grady

Commercial Relationship Manager

Shefali Patel

Commercial Relationship Manager

Scott Poole

SVP - Commercial Lending Division Manager

Nick Porter

SVP - Commercial Relationship Manager

NMLS# 1772638

Morgan Powell

AVP - Commercial Relationship Manager

Robert Quinilty

Commercial Relationship Manager

Samer Rafidi

SVP - Commercial Relationship Manager

Adam Rahn

VP - Commercial Relationship Manager

NMLS# 448476

Diana Ramis

SVP - Commercial Relationship Manager

NMLS# 1867743

Steve Rogner

Commercial Relationship Manager

NMLS# 1097694

Nate Rohler

VP - Commercial Relationship Manager

Jay Roney

SVP - Commercial Relationship Manager

NMLS# 640934

Jay Roper

SVP - Commercial Relationship Manager

Brandon Rowe

VP - Commercial Portfolio Manager

Doug Shaffer

SVP - Commercial Relationship Manager

NMLS# 17179

David Shelnutt

SVP - Commercial Card

Terri Simmons

Commercial Relationship Manager

Tiffany Smith

SVP - Commercial Relationship Manager

Amanda Smith

SVP - Commercial Relationship Manager

Timothy Sousa

SVP - Commercial Real Estate Relationship Manager

Justin Spradley

SVP - Commercial Relationship Manager

Brice Sprayberry

SVP - Commercial Relationship Manager

Bernard Stanford

East Metro Atlanta President

Cheryl Stewart

Commercial Lending Division Manager

Todd Stichtenoth

Relationship Manager

Skip Swain

Commercial Relationship Manager

Mary Beth Thomas

SVP - Commercial Relationship Manager

NMLS# 1305436

Brett Timmer

VP - Commercial Relationship Manager

Omar Tirado

Commercial Relationship Manager

NMLS# 1097697

Scott Toth

Commercial Lending Division Manager

NMLS# 1228395

Kelly Tumbleston

SVP - Commercial Relationship Manager

Elizabeth Vento

Commercial Relationship Manager

NMLS# 755100

Patricia Vitt

Commercial Relationship Manager

Eric Waldron

Commercial Relationship Manager

NMLS# 1097699

Greg Walker

Commercial Relationship Manager

NMLS# 1140635

Alex Wetherell

VP - Commercial Relationship Manager

Bernard Wheeler

VP - Commercial Relationship Manager

Brad White

Commercial Relationship Manager

NMLS# 1981772

Chris Willman

Tampa Bay Market President

NMLS# 1831728

Mike Wooten

SVP - Commercial Relationship Manager

Leanna Young Jimenez

SVP - Commercial Relationship Manager

NMLS# 611747

Our commitment to you and your business

We know you have many options when it comes to business financial partners. When you work with United, our diverse team of industry expert bankers will work to understand your business's unique needs and provide a tailored solution for your business financing needs, all while providing the exceptional customer service you deserve. From competitive rates and flexible terms to local decisionmaking, and deep industry experience, we are committed to providing the support and resources you need to drive growth and seize opportunity when it comes. Discover why businesses trust us as their preferred lending partner.

  • Competitive Rates: We offer competitive interest rates, ensuring affordability and helping you maximize your return on investment. Contact us for more information on rates and terms. 
  • Flexible Terms: We provide flexible repayment terms that suit your business's cash flow needs. Contact us for more information on rates and terms. 
  • Quick and Streamlined Process: Our dedicated team understands the importance of a streamlined lending process. We will guide you through the application process and provide timely support every step of the way.
  • Customized Financing Solutions: Each business has unique financing requirements. Our bankers specialize in providing individualized financing solutions that meet your specific needs, ensuring you have the resources to support your operations and continued growth.
  • Best-in-class Service: When you pair the power of United's business banking expertise and resources with our exceptional customer service, you gain a banking partner that can help you drive growth at every step in your business's journey. 
  1. Limits apply. Business Minute Lender offers unsecured business loans and lines of credit only.  Please contact a branch office for additional personal loans and lines of credit, including those secured by a Certificate of Deposit or other collateral. Once a Minute Lender loan is obtained by a customer using a deposit relationship, anyone with account affiliations with that customer is ineligible for a Minute Lender loan. As an example, if Customer A and Customer B are owners or signers on a deposit account and Customer A obtains a Minute Lender loan, Customer B is ineligible for a Minute Lender loan.  These limits apply even if Customer B maintains additional deposit accounts that are not affiliated with Customer A.  As an alternative, ineligible customers may reach out to your local branch for additional lending options.

    2 Upon credit approval.

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