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BBVA Compass

Small Business Lending

Business Lending Options

Need help deciding which account is best for you? Let our Product Guidance Tool help you find the business accounts and products that best fit your needs.

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
Secured
  • 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".