Let us help you find the right business lending solution.

Our approach to business lending is a little different here at C&F Bank because we take the time to first understand your organization’s preferences and needs before we make a product recommendation. By asking thoughtful questions and listening closely, your business banker will do more than process a loan for you – together, we will develop a detailed plan for your business finances. We call this process our C&F Relationship Review and it’s free of charge to all C&F Bank customers.

CALL or EMAIL any of our convenient bank locations to schedule your C&F Relationship Review for a time that’s most convenient for you.

When you open a new deposit, loan, or safe deposit box account on or after May 11, 2018, you will be required to provide information about your beneficial owners. Learn more.

All our business lending solutions come packed with these standard services:

  • Competitive interest rates and terms

  • A variety of financing options to choose from and all are subject to credit approval

  • Streamlined application process

  • Convenient loan management through Online and Mobile Banking

  • Business Vehicle/Equipment Loan

    This valuable lending tool for established businesses provides financing for company vehicles and equipment—whether new or used.

  • Business Mortgage Loan

    C&F offers financing to give established businesses the power to purchase or refinance owner occupied commercial real estate as their needs change.

  • Business Easy Access Overdraft Line of Credit

    Protect your Business Checking account with this unsecured overdraft line of credit for those times when cash inflow and outflow don’t line up perfectly.

Get Started

Call or stop by any of our banks today and speak with a relationship manager to apply for a business loan or line of credit.

Find a Location

 

Business Vehicle/Equipment Loan

This valuable lending tool for established businesses provides financing for company vehicles and equipment—whether new or used.

What is included in addition to the standard services?

  • Up to 100% financing available for qualified applicants
  • Loan amounts beginning at $5,000
  • Fixed rate
  • Flexible terms from 36 to 72 months
  • Rate discount with auto-draft payment from a C&F account

Contact us to learn more.

Business Mortgage Loan

C&F offers financing to give established businesses the power to purchase or refinance owner occupied commercial real estate as their needs change.

What is included in addition to the standard services?

  • Loan amounts beginning at $25,000
  • Flexible terms from 36 to 120 months
  • Amortization as long as 25 years

Contact us to learn more.

Business Easy Access Overdraft Line of Credit

Protect your Business Checking account with this unsecured overdraft line of credit for those times when cash inflow and outflow don’t line up perfectly.

What is included in addition to the standard services?

  • Lines of credit ranging from $1,000 to $5,000
  • Fixed rate
  • Ability to access, repay and access again without reapplying
  • Monthly payments debited from your C&F business checking account

Contact us to learn more.

Business Line of Credit

Established businesses can benefit from this ongoing cash source to support operating cycles and fund a variety of purposes.

What is included in addition to the standard services?

  • Lines of credit beginning at $10,000
  • Variable rate
  • 12-month term, with option to renew
  • Interest-only payments

Contact us to learn more.

Business Investment Mortgage Loan

C&F business customers may take advantage of this smart financing option to purchase or refinance investment real estate.

What is included in addition to the standard services?

  • Loan amounts beginning at $25,000
  • Fixed rate
  • Flexible terms from 36 to 60 months
  • Amortization as long as 25 years
  • Non-owner occupied commercial property may include single and multi-tenant commercial real estate, multi-family dwellings and single-family residential rental property.

Contact us to learn more.

Business Rewards Credit Cards

Choosing the right business card is easier than ever. No matter which card you choose, you'll enjoy important features like:

What is included in addition to the standard services?

  • Expense management tools
  • No fee for additional employee card
  • EMV smart chip technology for added security
  • Mobile payment capability for added convenience

Let's get started

Flexible Cash Rewards For Your Business.

Visa® Business Cash Card

Earn cash back1 every time you use your card: 3% on eligible net
purchases from office supply stores, phone and TV services,2,4 2%
on eligible net restaurant and gas purchases, and 1% on all other
eligible net purchases, plus $25 cash back after your first
purchase.3

Learn More

Apply Now

Rewards To Use The Way You Want.4

Visa® Business Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net
purchases (equal to 1.5% cash back).5 Plus, earn 2,500 bonus
rewards points after your first purchase.3 There is no limit on the
total cash back you can earn, and you have five years to redeem
for rewards.4

Learn More

Apply Now

Visa® Business Rewards PLUS Card

Earn 3 points monthly for every $1 you spend the most on: cellular
phone service, hotel, or airline.6 Earn 1.5 points monthly for every
$1 you spend on eligible net purchases. Plus, earn 20,000
one-time bonus rewards points after you spend $2,000 in the first
3 months.3 There is no limit on the total cash back you can earn,
and you have five years to redeem for rewards.4

Learn More

Apply Now

Pay Down Balances.

Visa® Business Platinum Card

Save on interest with a great low introductory rate for an extended
time. Pay down other credit card balances faster with this
non-rewards card.

Learn More

Please visit your nearest
branch to apply.

1 - Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card
     account within one to two billing cycles.
2 - Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in
    Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn
    1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points
    (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the
    merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total
    of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the
    following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply
    store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points
    expire five years from the end of the quarter in which they are earned.
3 - Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time
    bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
4 - The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not
    all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember
   Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including,
   but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 - Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to
    1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are
   earned.
6 - Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of
    eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone
    services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in
    the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.
    The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

 

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