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.

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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?

  • Award-winning expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for added convenience

Let's get started

Earn valuable rewards.

Visa® Business Cash Card

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

Learn More

Apply Now

Visa® Business Bonus Rewards Card

Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month, plus get $25 cash back1 after your first purchase.

Learn More

Apply Now

Visa® Business Bonus Rewards PLUS Card

Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month, plus get $50 cash back1 after your first purchase - all with a low annual fee.

Learn More

Apply Now

1 - Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

 

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