Conventional Business Loans

United Bank believes that our communities thrive when small businesses succeed.  A business loan is a foundational tool to provide capital, whether your business operates as a sole proprietorship, a partnership, an LLC or corporation.  There are multiple types of loan options, typically falling into two categories:


Installment Loans

With a business Installment Loan, the loan proceeds are disbursed in a single lump sum and the loan is repaid by making a monthly payment. Installment loans are typically used for:

  • Purchase Machinery & Equipment
  • Purchase or refinance commercial real estate: land and/or buildings
  • Purchase or refinance residential real estate
  • Purchase or refinance transportation equipment (passenger vehicles, business vehicles, commercial vans & trucks)

Lines of Credit

Lines of credit are typically used for working capital or construction projects.

With a business line of credit for working capital, the loan funds may be borrowed, repaid, and borrowed again subject to the terms of the loan up to the available credit limit and the monthly payment adjusts based on the outstanding balance owed.

With a business line of credit for a construction project, the loan funds are disbursed based on the percentage of completion of the project, and the monthly payment adjusts based on the outstanding balance owed.

United Bank also offers government guaranteed loans that provide capital to reach business goals, but have unique qualifiers and purposes.
* Subject to credit approval and underwriting guidelines
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United Bank operates in the middle Georgia market and provides loans to borrowers living in or operating a business in the counties displayed on the map below.

 Consider a business credit card for the flexibility to make everyday purchases, manage authorized user limits, and track monthly spending.
United Bank also provides Treasury Management Services such as online cash management, remote deposit services and more.  Contact our Business Solutions team  to learn more at

Note: Effective January 1, 2024, many companies in the United States must report information about their beneficial owners to the Financial Crimes Enforcement Network (FinCEN), a bureau of the US Department of the Treasury. Learn more.