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Small Business Loans and Lines of Credit

Access funds for expansion, new equipment or unexpected market events


Financial Assistance Measures During COVID-19: Contact your Cadence Relationship Manager for business loan deferral requests. Learn about other ways we're helping clients amid the pandemic here


Contact a Small Business Banker


Business Term Loans

Your business can change on a dime. Sometimes that means you need funds quickly, or you want to expand, or you must cope with the unexpected.


That’s why we’re here.


Cadence Bank’s line of Business Term Loans can put you back on the right path to:


  • Business equipment or vehicle purchase
  • Making capital improvements
  • Expanding an existing location or purchasing a facility

Cadence's business relationship managers work with you to consider all your options — current rates, how much you need to borrow, repayment terms and your current obligations — and help you make the right choice for your circumstances.


Cadence offers a variety of secured and unsecured lending options designed to meet specific borrowing needs. Our Business Term Loans offer you loans to enable you to make large-dollar expenditures with flexible, long-term repayment options.



Business Lines of Credit

Cadence Bank’s Business Lines of Credit can be a powerful tool to help you manage your finances more effectively and a valuable resource for:


  • Short-term working capital needs
  • Seasonal inventory increases
  • Special purchases
  • Discount opportunities
  • Unexpected expenses

Cadence’s Lines of Credit offer flexibility and access to capital, while our business relationship managers work with you to determine line amounts, terms, repayment schedules and collateral that meet your short-term borrowing needs.


You can take advantage of business opportunities by repaying and reusing your line of credit as needed to:


  • Maintain an even cash flow
  • Take advantage of supplier discounts to purchase inventory
  • Pay bills while you wait for receivables to be collected

Business Equity Lines of Credit

Leverage the equity you have in your own home to find the money you need for your business. This option is particularly appealing to a new business that does not yet have business collateral like land or equipment for a business-secured line. (This product is not available in Texas.)

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