Carter Bank & Trust is dedicated to the growth and future development in the communities we serve. We offer an array of commercial loans and our lenders pride themselves in offering a variety of commercial products to fit the needs of sole proprietors as well as the multi-million dollar corporations. Our experienced commercial lenders take a personal interest in the customers they serve and a proactive approach in their ongoing success.

  • To finance the acquisition, conversion of construction to permanent, or to refinance an existing building.
  • Commercial loans available for other business needs in addition to commercial real estate
  • Terms available include 1 to 20 year amortization (up to 25 years in some cases), competitive fixed and adjustable interest rates.
  • For owner occupied or income producing properties.
  • SBA 504 loans available for business expansion.
  • Specialized financing available for projects that enhance community revitalization and stimulate economic development
  • Tax credit programs available targeting low to moderate income neighborhoods or underserved markets (Historic Tax Credits, New Markets Tax Credits, Low Income Housing Tax Credits)
  • Terms available include 1 to 20 year amortization (up to 25 years in some cases), competitive fixed and adjustable interest rates.
  • Loans to not for profit organizations
  • Affordable housing focus
  • For the construction of a building or other improvements to a property.
  • Examples include hotels, anchored shopping centers, medical facilities, and multi-family developments.
  • Construction loans with permanent take-out.
  • Loans to not for profit organizations
  • Designed for owner occupied or income producing properties.
  • For the borrower who intends to convert the land into improved real estate. Required documentation includes: government approvals, water and sewer authority service agreements, permits, and final site development plans.
  • Examples include hotels, anchored shopping centers, industrial properties, and farms.
  • To finance the production of commodities or agricultural equipment used in servicing and processing commodities.
  • Commodity examples include crops, livestock, and dairy operations.
  • Agricultural equipment examples include mills, gins, warehouses, and implement dealers.

The calculators on our website are provided for informational purposes only. Carter Bank & Trust and its affiliates disclaim any warranties, endorsement or representation, express or implied, related to these resources.