Business Loans

As a community bank, we make it our priority to provide lending options for the businesses in our community. We can help you get the funds you need to run your business right, for short term projects or long term growth. We offer flexible terms and competitive rates. Take advantage of working with knowledgeable lenders and fast, local decision making.

Lines of Credit

Businesses change and grow every day. If you need convenient access to excess funds as your cash flow ebbs and flows, we have credit line solutions for you. Whether you need extra capital for a project, protection from overdrafts, or just want a cushion for unexpected opportunities, we can find flexible terms and rates that are right for you.

Term Loans

When it's time to grow, we'll know the right solution for you. Whether you're looking to expand your business, purchase equipment or finance operating capital, we can structure a term loan to meet your business's needs.

Commercial Real Estate Loans

Whether you're looking for a change of scenery or looking to expand your current horizons, we can help you do it without the growing pains. We offer a wide range of commercial real estate financing, including new construction, purchase or refinancing options to help your business can grow when and where it needs to.

Small Business Administration Loans

Small business is the back bone of a healthy local economy and we are committed to providing support any way we can. Meet with a HomeTown Bank partner to share your vision and they'll help you identify the best SBA loan program that fits your company's needs.

Letters of Credit

When making large sales or purchases, you'll want peace of mind knowing your deal will go through securely. HomeTown Bank will work with you to structure letter of credit terms to meet your company's specific needs.

HomeTown Title Insurance Agency

Purchasing property for your business will likely be one of the largest financial investments you'll ever make. HomeTown offers a full array of real estate and title insurance services to keep your title transfer free from surprise roadblocks.

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HomeTown Bank Benefits

Local Decision Making

Our loan process stays here in your HomeTown. It's run by your friends and neighbors, not strangers in an office hundreds of miles away.

Commercial Banking Team

Terry O'Shaughnessy EVP, Chief Lending Officer

Vic Bradley SVP, Commercial Banking Manager

Matt Hubbard VP, Commercial Banker

Peter Jessee SVP, Commercial Real Estate Lender

Carrie McConnell SVP, Sr. Commercial Market Manager

Tommy Loflin SVP, Market President

Robert Parks VP, Commercial Banker

Rodney Quesenberry VP, Real Estate/Construction Lender

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