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Business Borrowing


Small Business Loans and Lines of Credit

Cardinal Bank offers a variety of loans and lines of credit to help you keep your business growing 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, making Cardinal Bank your one-stop business financing source.

Preferred SBA Lender

Cardinal Bank is a Preferred Small Business Administration (SBA) Lender. As a Preferred SBA Lender, it is easier for Cardinal Bank to help your business grow. We can help you to:

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

Small Business Loans and Lines of Credit

Get the money your business needs with both secured and unsecured lines and loans. Financing options are available for working capital to purchase inventory, expand business, finance equipment or purchase commercial real estate:

  • Line of Credit
  • Term Loan
  • Commercial Mortgage
  • Credit Cards 

What You Need to Apply

The loan application process is easy and there are a few things you will need to have available when applying:

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

  • Provide information about your business, such as:
    • Business name and address
    • Type of business organization
    • Year established
    • Business Tax ID Number (TIN)
    • Annual sales
    • Number of employees
  • Provide information about each business owner, such as:
    • Name and home address
    • Social Security Number
    • Title
    • Ownership percentage
    • Complete, signed Personal Financial Statement
  • Financial information such as:
    • The last three years of personal and business tax returns
    • Recent financial statements (balance sheet/income statement)
    • Business plan (if new business or less than 3 years old)

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