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Business Lending

Business Lending Options

Product	Description	Collateral Requirement	Access to Funds	Loan/Line Amounts Available
Convenience Line of Credit	For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements Variable rate tied to Compass Bank's prime Minimum payment of $50 or 2% outstanding balance No maturity	Unsecured and SBA Express eligible	Check, Telephone Transfer or Branch	$10,000 - $50,000
Traditional Line of Credit	For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements Interest only payment period	Secured and Unsecured	Check, Telephone Transfer or Branch	$50,001 - $500,000
Business Equity Line of Credit (not available in Texas or California)	For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements Line can be secured by primary residences of multiple business principals Businesses can use for any purpose – to purchase inventory, improve liquidity or meet short-term cash requirements Competitive, variable interest rates No closing costs Interest only 240-month maturity	Secured (by primary residence)*	Check, Telephone Transfer or Branch	$10,000 - $500,000
Business Credit Cards	For businesses that need a revolving line of credit to take discounts, purchase inventory, improve liquidity or meet short term cash requirements Competitive interest rates Ability to give cards to key employees and set individual limits to better manage spending Extended cardholder benefits provided directly by Visa Monthly payment is 5% of balance No maturity	Unsecured	Credit Card	Business Rewards $3,000 +
Business Term Loan	Installment loan for long term needs, working capital or to purchase equipment Principal & Interest 1-5 years maturity	Secured and Unsecured	Funded at closing Up to 6-month draw	$5,000+
Commercial Real Estate Loan	Installment loan for long term needs, working capital, purchase equipment, expand facilities or acquire business real estate	Unsecured	Funded at closing (purchase/refinance Up to 12-month draw (construction)	$25,000+
SBA (Small Business Administration) Loans	Loans for businesses that are not ideal candidates for conventional lending Loans are partially guaranteed by the Small Business Administration Can apply to all loan types Competitive Interest Rates	Secured and Unsecured	Varies based on loan type	Varies based on loan type

*The combined LTV (including 1st mortgage) may not be equal to or above 80%. The maximum LTLV is further restricted to 70% for any D or E transaction. Lines greater than $300,000 are also limited to 70% LTV and must have a risk rating "A".