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Commercial Loans

Entegra Bank offers a variety of commercial loans for start-up, expansion, equipment and day-to-day operation.

Line of Credit

We help you better manage your cash flow and ease your short-term working capital needs. Entegra Bank offers Lines of Credit with tiered interest rates. Our Reserve line of credit provides overdraft protection for your checking account.


Credit Cards

In conjunction with our marketing partner, TIB Bank, Entegra Bank offers you some of the world’s most widely accepted credit cards. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs. Click the links below to learn more and apply. Stop by your local branch or call our Telephone Service Center at 800-438-2265, Option 5 for more information.

NOTE: Entegra Bank had a prior joint marketing agreement with First BankCard. If you are a First BankCard customer, you can access your account through their website at www.directcardaccess.com.


Verified by Visa

Verified by Visa is a free service that protects unauthorized use of your Visa card. Register online and you will be prompted to enter your Visa Password whenever you shop at participating online merchants. Transactions will be completed quickly and safely. Click here to register your Visa CheckCard.


Visa Purchase Alerts

Visa Purchase Alerts help reduce fraudulent activity with real-time notifications. Choose to receive notifications via email and/or text for purchases that meet certain criteria, such as transactions exceeding a specific amount. You can also track spending and account balances. Click here to learn more about Visa Purchase Alerts.


Equipment Loans

We finance all types of capital investments. Call to discuss what you need to grow your business.


Real Estate & Construction Loans

We provide the necessary funds to build, acquire, or refinance commercial real estate.


Letters of Credit

We provide short-term instruments to assist in meeting payment and performance obligations from customers, suppliers and others.


SBA & USDA Lending

As one of the North Carolina’s Small Business Administration (SBA) lenders, Entegra Bank is here to help start or expand your business. We are ready to assist with starting your own business, purchasing equipment, building, renovating or purchasing commercial real estate. Small businesses are the lifeline of the Carolinas. Loan programs include:

SBA 7(a) - The most basic and used SBA’s business loan program, which provides loans to eligible borrowers for starting, acquiring and expanding a small business. Used for purchasing, constructing or renovating commercial real estate for owner-users with 51% occupancy, equipment purchasing, working capital and inventory, business acquisition and start-ups or refinancing existing business debt.

  • Lower down payment to conserve working capital
  • Longer terms than conventional financing
  • Loans are fully amortized
  • Terms for real estate loans up to 25 years, business acquisitions up to 10 years, machinery and equipment up to 10 years and working capital and inventory up to 7 years

SBA 504 - This program offers long-term, fixed-rate financing for major fixed assets such as land, buildings and machinery. Used for purchasing, constructing or renovating commercial real estate for owner-users with 51% occupancy and for purchase of equipment with a useful life of 15 years or greater.

  • Higher size standards than SBA 7(a) program
  • Lower down payment to conserve working capital
  • Longer terms than conventional financing
  • Loans are fully amortized
  • Bank loan terms up to 25 years
  • SBA/CDC loan terms is 20 years for real estate and 10 years for equipment

USDA Business & Industry – This program bolsters the existing private credit structure through the guaranteeing of loans for rural businesses. Used to purchase, construct or renovate commercial real estate for owner-users, purchase equipment and to develop commercial lease projects.

  • Lower down payment to conserve working capital
  • Longer terms than conventional financing
  • Loans are fully amortized
  • Terms for real estate loans up to 30 years and machinery and equipment up to 15 years


Contact a Banker

Josh Brant
Franklin
828-788-2702

Lacy Cross
Asheville Loan Production Office
828-400-6236

Scott Garland
Jasper, GA
706-253-7070 ext 7032

Roger (Rod) Greene
Greenville, SC
864-255-9035 ext 5016

Harry Grymes
Columbus, Hendersonville and Saluda
828-817-1022

Michael Hershaft
SBA Business Development Officer
407-615-0329

Nick Iosue
Brevard
828-883-8700

Bradley Jones
Hendersonville
828-692-3000 ext. 3806

Sandra Key
Jasper, GA
706-253-7070 ext 7026

Kelly Leonard
Hendersonville
828-692-2000 ext. 3617

William Madden
Cashiers
828-743-7000 ext. 3902

Jerry Ollis
Sylva
828-586-1000 ext. 3508

Josh Owens
Franklin
828-524-7000 ext. 2305

Tony Potts
Highlands
828-526-3000 ext. 3406

Mike Taylor
SBA Business Development Officer
870-275-7448