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    Business Loans and Lines of Credit

    Contact Us
    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.
     
    women applying for a business loan

    Business Minute Lender

    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.

    Find Your Local Commercial Relationship Manager

    David Shelnutt

    Manager of Structured Finance

    Kristy Hunter

    Commercial Relationship Manager

    Laura Hodge

    Commercial Relationship Manager, Senior Vice President

    Beth Lemke

    Commercial Relationship Manager

    Skip Swain

    Commercial Relationship Manager

    Adam Rahn

    Commercial Relationship Manager

    Salita Hill

    Commercial Relationship Manager

    Steve Rogner

    Commercial Relationship Manager

    Eric Waldron

    Commercial Relationship Manager

    Melissa D'Orazio

    Commercial Relationship Manager

    Larry Campbell

    Commercial Relationship Manager

    George Madden

    Commercial Relationship Manager

    Brad White

    Commercial Relationship Manager

    Steve Altier

    Commercial Relationship Manager

    David Ruppel

    Commercial Relationship Manager

    Chris Willman

    Tampa Bay Market President

    Diane Akel

    Commercial Relationship Manager

    Diana Ramis

    Commercial Relationship Manager

    Kevin Kelly

    Commercial Relationship Manager

    Mark Ciotti

    Commercial Relationship Manager

    Scott Toth

    Commercial Lending Division Manager

    Omar Tirado

    Commercial Relationship Manager

    Barry Forbes

    Commercial Relationship Manager

    Gene Harvey

    Commercial Relationship Manager

    Craig Dowdy

    Commercial Lending Division President

    Odalis Pena

    Commercial Relationship Manager

    Audra Fern

    Commercial Relationship Manager

    Elizabeth Vento

    Commercial Relationship Manager

    Robert McDaniel

    Commercial Lending Division Manager

    Steve Datkuliak

    Commercial Relationship Manager

    Jami Bucy

    Commercial Relationship Manager

    Dawn McGovern

    Commerical Relationship Manager

    Jeff Cates

    Commercial Relationship Manager

    Joe Bondi

    VP, Commercial Relationship Manager

    Chris Hayward

    Commercial Relationship Manager

    Tom Coker

    Commercial Relationship Manager

    Song Keovongsak

    Commercial Relationship Manager

    Bernard Standford

    East Metro Atlanta President

    Dorsey Grist, Jr.

    Commercial Lending Division Manager

    Jarrod Floyd

    SVP - Commercial Relationship Manager

    Sandi Jernigan

    SVP - Commercial Relationship Manager

    Steve Rawl

    SVP - Commercial Relationship Manager

    Scott Poole

    Commercial Relationship Manager

    Sam Hulsey

    Commercial Relationship Manager

    Brent George

    Commercial Relationship Manager

    Brice Sprayberry

    Commercial Relationship Manager

    Kirby Butler

    SVP - Commercial Relationship Manager

    Jon Presley

    Commercial Relationship Manager

    Sam Hammett

    SVP - Commercial Relationship Manager

    Rick Frazier

    SVP - Commercial Relationship Manager

    Rudy Gill

    SVP - Commercial Relationship Manager

    Scott Garcia

    SVP - Commercial Relationship Manager

    Nate Rohler

    VP - Commercial Relationship Manager

    Jill Edwards

    Commercial Lending Division Manager

    Victor Alberto Acieta

    Commercial Relationship Manager

    Shefali Patel

    Commercial Relationship Manager

    Brad Brooker

    Commercial Relationship Manager

    Robert Quinilty

    Commercial Relationship Manager

    Jay Roper

    Commercial Relationship Manager

    Valerie McNaughton

    Commercial Relationship Manager

    Tonya Nix

    Relationship Manager

    Steve Stevens

    Commercial Relationship Manager

    Kelly Tumbleston

    Commercial Relationship Manager

    Marianne Borton

    Commercial Relationship Manager

    Patricia Vitt

    Commercial Relationship Manager

    Brian Brooks

    President, Commercial Banking - Athens

    Marcus Schubert

    Commercial Relationship Manager

    George Gornowicz

    Commercial Relationship Manager

    Todd Stichtenoth

    Relationship Manager

    Fady Assaad

    Senior Portfolio Manager

    Seth Knowles

    Senior Portfolio Specialist

    Josh Sparks

    Commercial Relationship Manager

    Terri Simmons

    Commercial Relationship Manager

    Timothy Sousa

    Senior Vice President | Commercial Real Estate Relationship Manager

    Julie Gaines

    SVP, Structured Finance Group - FL & NC Markets

    Charlie Curtis

    President | Lake Norman Metro

    Luci McDuffie

    SVP - Commercial Relationship Manager

    Bill Geeslin

    SVP - Commercial Relationship Manager

    Victor Mogollon

    Commercial RE Relationship Manager

    Joe Ford

    Relationship Manager

    Joseph Dear

    Commercial Relationship Manager

    Sam Miles

    Commercial Relationship Manager

    Mike O’Grady

    Commercial Relationship Manager

    Cheryl Stewart

    Commercial Lending Division Manager

    Kurt Beste

    Commercial Lending Division Manager

    Phil Russo

    Commercial Relationship Manager

    James Harris

    Relationship Manager

    Tim Barbour

    VP | Relationship Manager

    Lindsay Wilson

    VP - Commercial Relationship Manager

    Chad Massengill

    VP - Relationship Manager

    Mike Wooten

    SVP - Commercial Relationship Manager

    Justin Spradley

    SVP - Commercial Relationship Manager

    Griffin Duncan

    SVP - Commercial Relationship Manager

    Stewart Holmes

    Triad Market President

    John Collier

    SVP - Commercial Relationship Manager

    Nick Porter

    SVP - Commercial Relationship Manager

    Doug Shaffer

    Commercial Relationship Manager

    Ann Bennett Hamiter

    Commercial Relationship Manager

    Mary Beth Thomas

    SVP - Commercial Relationship Manager

    Brett Timmer

    VP - Commercial Relationship Manager

    Greg Walker

    Commercial Relationship Manager

    Jay Roney

    SVP - Commercial Relationship Manager

    Austin Garrett

    VP - Commercial Portfolio Manager

    Brandon Rowe

    VP - Commercial Portfolio Manager

    Carla Mounger

    SVP - Commercial Relationship Manager

    Hunter Duggan

    VP - Relationship Manager

    Roberto Crichlow

    SVP - Commercial Relationship Manager

    Samer Rafidi

    SVP - Commercial Relationship Manager

    Kelly Holmes

    SVP - Commercial Relationship Manager

    Preston Adcock

    VP - Relationship Manager

    Jeff Campbell

    SVP - Commercial Portfolio Manager

    Luke Chill

    SVP - Commercial Relationship Manager

    Tiffany Smith

    SVP - Commercial Relationship Manager

    Matt Webster

    SVP - Commercial Relationship Manager

    Caleb McFaddin

    Asset Based Lending Division Manager

    Connect with a commercial lending specialist to get started.

    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. 
    small business owner checking corporate bank account Protect Your Small Business Account
    Corporate account takeover is a type of fraud where thieves gain access to a business’s finances to make unauthorized transactions, creating and adding new fake employees to payroll, and stealing sensitive customer information. Follow these tips to keep your small business safe.
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    Checklist for Business Growth: 7 Common Avenues

    As different as businesses can be, they have typical paths to growth in common. A dental practice and a clothing boutique can both add locations. A farm and a pharmacy can both sell more to their existing customers. A quick service restaurant franchise and a veterinarian can both reach more customers online.

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    We’ve all heard that rates are rising. But what does this mean for your business?
     
    In an environment like this, it’s important to take a step back and look at the big picture. Both for the prime rate itself and for your business.
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    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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