The Capital Bank, an active commercial lender in Central Arkansas, offers an array of credit products and services designed to help your business succeed. For more information about our business loans and to discuss your unique business needs, contact one of our business banking officers at (501) 228-6000 or questions@thecapitalbank.com.

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At The Capital Bank, we strive to make the lending process more efficient and convenient for our business customers. Potential commercial borrowers should be prepared to provide the documents listed below. Your business banking officer can provide additional direction and help you to determine what other documents might be necessary.

  • 3 years of tax returns (generally, business and personal)
  • Business plan for the organization
  • Personal financial statement
  • Additional information may be required depending on the complexity and terms of the loan request.

 

Business Lines of Credit/Working Capital

Designed to meet your short term needs:

  • May be secured or unsecured depending on the situation.
  • Terms vary, generally 12 months, reviewed on an annual basis.
  • Interest rate varies to fit your unique situation.

 

Equipment, Inventory and Accounts Receivable Loans

Provides a term loan with specific collateral:

  • Interest rates and terms vary dependent upon collateral, financial status of
    borrower, purpose, as well as other determining factors.

 

Commercial Real Estate Purchase or Construction

Allows a business or individual to purchase real property including buildings or
open land for use or development.

  • Interest rates and terms vary dependent upon collateral, financial status of
    borrower, purpose, as well as other determining factors.

 

Letters of Credit

Provides a bank, backed conditional promise to pay if certain requirements are
met. The Letter of Credit acts as substitution of credit risk.

  • Purchase goods or services, domestically or internationally.
  • Must be tied to a commercial line of credit.
  • Rates and terms vary.