Small Business Lending

Loans and Lines

If you need additional support with completing your application, please contact our Small Business Client Support team at (877) 380-0654.

Secured Loan
This requires an object or asset to serve as your collateral. So whether you need to pay down some debts or make improvements to your business or facility, this loan is secured by the value of your asset. Here are some examples of what can be used for collateral:

• Deposits (like a CD, checking, savings or money market account)
• Marketable securities (bonds, brokerage account, mutual funds, stock)
• A commercial vehicle such as a car, bus, plane, or boat
• General business assets

APPLY FOR A SECURED LOAN

Unsecured Loan
This loan requires no collateral but typically has a higher interest rate as a result. You can use the money for working capital to help improve the management of your businesses cash flow for short term needs.

APPLY FOR AN UNSECURED LOAN

Business HELOC
If you want funds for your business and want to use your personal home as the collateral, this line of credit can provide you with access to funds immediately and later as additional needs come up. It typically carries a low interest rate and offers the added flexibility of giving you periods when you pay interest only and other periods when you pay principal and interest together.

APPLY FOR A BUSINESS HELOC

Secured Line of Credit
If you have a Pinnacle CD or savings account, you can use that as collateral for a line of credit to get a lower interest rate. That way you can keep earning interest on your savings – without having to spend it or pay early withdrawal penalties. Here are the types of accounts you can use as collateral:

• CDs, savings, checking or money market accounts
• Mutual funds
• Stock (NASDAQ, NYSE, AMEX)
• Brokerage accounts
• General business assets

APPLY FOR A SECURED LINE OF CREDIT

Real Estate Secured Line of Credit
This line of credit uses a real estate asset such as your business or residential property as collateral, allowing you to access funds for renovations or other business improvements.

APPLY FOR A REAL ESTATE SECURED LINE OF CREDIT

Unsecured Letter of Credit
A letter of credit is a document from Pinnacle that guarantees payment on your behalf to a beneficiary, using funds you maintain at Pinnacle.

APPLY FOR AN UNSECURED LETTER OF CREDIT

Unsecured Line of Credit
You don’t need to use your business assets or other assets to borrow money. You can use your line of credit all at once or a little at a time. You also have the flexibility to borrow different amounts at different times, and your monthly payment may vary.

APPLY FOR AN UNSECURED LINE OF CREDIT

Overdraft Line of Credit
When tied to your checking account, the line of credit can save you from the fees and hassles of coming up short.

APPLY FOR AN OVERDRAFT LINE OF CREDIT