Small Business Loans

Whitney Clock

Whether you need funding for startup or expansion, a loan can be the lifeblood of your business. We offer growing businesses a variety of flexible financial alternatives tailored to meet each client's unique borrowing needs.

Revolving Lines of Credit

  • Business Line of Credit offers great low variable rates.
  • Easy access to funds when you need it.
  • Extra cash flow to purchase inventory or cover seasonal expenses.
  • The smart choice for overdraft protection on your business checking account.

Term Loans

  • Allows you to finance equipment or vehicle purchases; building expansion or any other project that
    requires long-term financing.
  • Predictable monthly payments with fixed-rate.
  • Terms vary based on loan purpose.

Construction Loans

  • Allows you to borrow funds up to a predetermined amount to acquire land and to construct owner-occupied buildings or investment property.
  • Interest only applies to the amount borrowed.
  • Provides a term loan in conjunction with construction loan--supply financing after construction is completed.

Letters of Credit

  • Provides stand-by and import Letters of Credit at competitive rates.
  • Structured in a variety of ways to accommodate your needs.


Increase productivity of your business, conserve capital, and in some cases, enjoy tax benefits. We purchase the equipment for you and design a lease best suited to your needs.

  • 100% financing
  • Flexible terms
  • Pay with pretax dollars
  • Make level payments
  • Capital, True, and Municipal leases available

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

Credit Card Services

Hancock Visa® Business Credit Card

  • A great way to manage, monitor, and control employee business expenses is the Hancock Visa® Business Credit Card.
  • Accepted at merchants worldwide.
  • Monthly statements help you monitor and control business expenses.
  • A convenient way for employees to pay for travel and entertainment expenses.
  • Learn more

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