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Pinnacle Bank delivers great service.”

“Pinnacle Bank delivers great service.”

Lina Gomez, Genesis Freightlines, Inc.

Business Financing Options

Pinnacle Bank measures their success by their clients' success. With an emphasis on commercial and industrial clients, they work hard to understand your unique financial and business needs, and work closely with you to build a successful long-term relationship. Their experienced banking professionals are local, so they can respond quickly with banking solutions that meet your needs and help you continue to build your success.


Loans & Lines of Credit

There are a variety of reasons why a business may want to obtain a loan. Maybe you are thinking about expanding your business or you need to purchase additional equipment. Whatever your need may be, Pinnacle Bank will work with you to craft the best financing solution for your business.

  • Term Loans

  • Revolving Lines of Credit

  • Accounts Receivable and Inventory Financing

  • Working Capital Lines of Credit

  • Equipment Financing


Letters of Credit

Pinnacle Bank offers Commercial Letters of Credit and Standby Letters of Credit that can help your business secure the purchase of goods in a domestic or international level. Their relationship managers will help you structure your trade transactions to avoid the discrepancies and inconsistencies that can create extra costs, delays and potential loss of business.


Business Credit Cards

The Easier Way to Track Your Business Purchases.
Pinnacle Bank's MasterCard branded Credit Cards are issued by The Independent Bankers Bank.


  • Pay your balance in full every month to avoid finance charges or make a partial payment when you need to manage cash flow.

  • You decide how much credit you want each authorized employee to have. They set the individual limits based on your instructions.

  • Receive Worldwide Acceptance

  • Attractive Annual Percentage Rate

  • Flexible Reward Options (Travel, Cash, Merchandise, Retail Gift Cards)


Commercial Real Estate Lending

Whether you decide to purchase or construct owner-occupied real estate, Pinnacle Bank can assist you with your financing needs. Their relationship managers have been in the industry for over 25 years, so they understand the market and will work with you to obtain the best financing for your situation. Decisions can be made quickly, without unnecessary delays, because Pinnacle Bank’s decision-makers are local.


  • Owner-Occupied Industrial/Office/Retail/Warehouse Construction

  • Commercial Building Purchase or Refinance


Government Assisted Loans

Small businesses are often faced with the need for funds for working capital, equipment purchase, expansion and more. Pinnacle Bank understands that. Their SBA guaranteed loan programs can help qualified businesses obtain financing.

Pinnacle Bank's team of SBA lenders will work closely with you, exploring avenues to make sure that the best possible solution is achieved for your individual situation. Pinnacle Bank's SBA Preferred Lender status allows them to streamline the application process and deliver a response in days, not weeks.


SBA 7(a) Loans

The SBA 7a loan program is great for small business owners whose needs require minimal down payments and the ability to grow their business while leveraging capital. Loan proceeds can be used to purchase or refinance owner-occupied commercial buildings. Proceeds can also be used to purchase equipment and inventory, expand and/or renovate facilities and provide working capital.


  • Loans from $100,000 to $5,000,000

  • Terms from 7-25 years

  • Up to 90% loans on owner-occupied commercial property

  • Construction

  • Working capital

  • Business acquisition

  • Business expansion

  • Equipment purchases

  • Debt refinance


SBA 504 Loans

An SBA 504 loan provides a long term financing option for small businesses in the local community. These loans provide long-term fixed rate financing to acquire major fixed assets for expansion or modernization.


Proceeds must be used for fixed asset projects, such as:

  • Purchasing land & improvements

  • Construction of owner occupied new facility or renovation of existing premises

  • Debt refinancing


Eligibility:

The business must be operated for profit and fall within the size standards set by the SBA. Pinnacle Bank can provide:

  • Funding for projects up to $10,000,000

  • Up to 90% loans on owner occupied commercial property


For additional information please contact us at sba@pinnaclebankonline.com

Download: Small Business Financing Brochure

Pinnacle Bank provides unparalleled service and an unmatched banking experience.


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