Whether you need funding for start-up or expansion, a loan can be the lifeblood of your business. We offer a number of commercial loan programs which can be tailored to your needs:

Line of Credit

This type of loan allows you to borrow up to a predetermined limit any time during the commitment period. Interest applies only to the amount you borrow.

Accounts Receivable Financing

Your accounts receivable can be pledged as loan collateral. The financial condition of your business, together with the collectability of the receivables, are also considered.

Inventory Loans

Inventory loans can be made for a percentage of your total inventory cost, with the inventory pledged as collateral. You make payments as your inventory is sold.

Term Loans

With this type of loan, you can finance major equipment or building expansion purchases which can serve as collateral. The amount and period of repayment is determined by the equipment’s economic life, the resale market, the value of the building and land, and the financial condition of your company.

Construction Loans

Similar to a line of credit, a construction loan is used to finance commercial construction projects. You draw funds as needed to pay contractors and suppliers. When the building is completed, the loan is paid off with proceeds from permanent financing. Most construction loans are granted after permanent financing has been arranged.

Commercial Real Estate Loans

Hancock Bank has a strong track record of earning the trust of commercial real estate developers, corporations and individuals with an interest in making real estate investments.

With each real estate financing opportunity, we strive to provide a committed source of capital that matches the funding objectives.

Properties for Sale

Hancock Bank owns a variety of real estate properties including residential, commercial and/or lot/land properties.
Click here
for a complete list of properties for sale.

Government Lending Programs

Small Business Administration Loans

  • A wide range of options and the dedicated service you need.
  • More flexible options to help businesses that might not qualify for traditional loans.

Other Government loans

  • Hancock Bank holds a "Preferred Lender" designation with the U.S. Small Business Administration (SBA)
  • Hancock Bank also participates in other State and Federally guaranteed loan programs such as:
    • USDA Rural Business Services
    • State-supported programs


Letters of Credit

The bank provides stand-by and import Letters of Credit at competitive rates. Letters of Credit are structured in a variety of ways to accommodate the customer’s needs.

Energy Lending

Distinctive, high-value financial products and services for business in the Oil and Gas industry, including reserve-based lending services, midstream and pipeline lending, and oil field services. Click here for more information.