Skip to Content

You are now leaving Cardinal Bank.

You are now leaving Cardinal Bank's web-site and are going to a web-site that is not operated by the Cardinal Bank.

Cardinal Bank is not responsible for the content or availability of linked sites.

Please be advised that Cardinal Bank does not represent either the third party or you, the member, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by the

You will now access:

Small Business Growth Solutions: Fredericksburg


Contact Karen Barrons

Banking Office Manager at
Fredericksburg Banking Office
501 C Jefferson Davis Highway
Fredericksburg, VA 22401
Email Karen

Lobby Hours:
Mon. - Thurs., 8:30 AM - 5 PM
Fri., 8:30 AM - 6 PM
Sat., 8:30 AM - 12:30 PM

Your passion brought you to where you are today – running a business.  Cardinal gets that.  We make it easy for you to manage your business with comprehensive financial services tailored to your specific needs.  

Borrowing Solutions To Grow Your Business1

Loans and lines of credit can help you grow your business for the long term or to help you with your short-term cash flow needs.  We offer competitive rates and terms on lines of credit, term loans, vehicle loans, and real estate loans.  Financing options are available for:

  • Business expansion
  • Commercial real estate
  • Equipment financing
  • Working capital
  • And more

And, as a Preferred SBA Lender, we also can help provide funding so that you can:

  • Borrow for working capital
  • Construct, expand, or renovate facilities
  • Finance receivables or refinance existing debt
  • Purchase equipment and fixtures

Ready to Apply?  Have Questions?

Review the list of items needed to apply for a loan or line of credit and contact Karen Barrons at our Fredericksburg Banking Office to get started.

Looking for Other Business Solutions?

Cardinal also offers banking, investing, and insurance solutions – designed to help businesses just like yours.

Manage Accounts Make Payments Receive Payments Protect Accounts
Business Deposit Accounts ACH Payments ACH Services ACH Block/Filter
Invest Idle Funds Wire Transfers Lockbox Services Card Fraud Alerts
Investment Services2 Online Bill Pay Merchant Services Insurance Services3
  Payroll Services Remote Deposit Security Tips/Tools
      Positive Pay
      Protection Tools

What You Need to Apply

The loan application process is easy. Provided below is a list of items you will need to have available when applying4:

1.  Know the dollar amount, type of loan you are applying for, borrowing purpose and collateral information, if applicable

2.  Business information:

  • Business name and address
  • Type of business organization
  • Year established
  • Business Tax ID Number (TIN)
  • Annual sales
  • Number of employees

3.  Business owner(s) information:

  • Name and home address
  • Social Security Number
  • Title
  • Ownership percentage
  • Complete, signed personal financial statement

4.  Financial information

  • The last three years of personal and business tax returns
  • Recent financial statements (balance sheet/income statement)
  • Business plan (if business is less than three years old)


1 Subject to credit approval. Must be 18 or older to apply.

2 Securities offered through Raymond James Financial Services, Inc., Member FINRA SIPC are:

Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Not Deposits

Not Insured by Any Federal Government Agency

Not a Condition to Any Banking Service or Activity

Check the background of this firm on FINRA's BrokerCheck.

Cardinal Bank and Cardinal Wealth Services, Inc. are independent of Raymond James Financial Services.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered.  Therefore, a response to a request for information may be delayed.  Please note that not all of the investments and services mentioned are available in every state.  Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.  Contact your local Raymond James office for information and availability.

Links are being provided for information purposes only.  Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors.  Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.

Raymond James Privacy Notice.

3 Insurance products and services offered by our partner, Bankers Insurance, LLC and:

Not FDIC Insured

Not Bank Guaranteed

May Lose Value

Not Deposits

Not Insured by Any Federal Government Agency

Not a Condition to Any Banking Service or Activity

Purchasable from any Agent or Company

Cardinal Bank has an ownership interest in Bankers Insurance.

Banking Products are provided by Cardinal Bank, Member FDIC.

4 Additional information may be required.