| |
Great People. Great Rates. Great Service.
Great Choice! |
As a locally-owned bank, High Trust Bank has helped area residents for many years
with residential mortgage loans that are safe ... secure ... and stress-free!
All applications are reviewed within the Bank, and normally within the same day.
NO decisions by "anonymous underwriting committees in far-away cities".
We would like to help you ... with a loan that puts your
mortgage payments within reach and affordable for you.
Every Mortgage IS Easier at High Trust! * No Application Fee
* Simplified Documents
* Same-Day Approval
* Closing within 2 Weeks
* Farmers Home Loans
* VA Financing
*FHA Approved Lender
|
CONTACT US |
|
|
“SBA” and "USDA"Financing Solution…
Which Loan Is Right for Your Business?
An “SBA Preferred Lender”
As a Small Business Administration (SBA) Preferred Lender*, High Trust Bank, has business lending programs that extend beyond the scope of standard financing by being able to provide more flexible terms to improve a repayment ability and preserve working capital.
*Preferred Lender Program members are nominated based on their historical record with the Small Business Administration. These lenders must have demonstrated a proficiency in processing and servicing SBA Guaranteed loans.
“Approved to offer SBA loan products under SBA’s Preferred Lender / Express / Patriot Express Programs” |
SBA 7(a) Loan
The SBA 7(a) loan (the most common general-purpose SBA loan) offers single and multiple disbursement terms and real estate loans.
Use your loan for real estate acquisition/construction, debt refinancing, working capital or to purchase a business or inventory.
Ideal For |
For-profit businesses that need funds up to $2,000,000. Your business must meet the SBA’s Guidelines. |
How it Works |
A 7(a) loan offers flexibility, longer terms, and lower down payments, compared to other types of business financing.
Because it is backed by an SBA Guarantee, you can access a larger lump sum funding.
Longer terms offer you lower payments to free up cash flow while you grow your business(es).
High Trust Bank’s streamlined application and closing process reduces the normal paperwork and allows for quicker closings.
|
SBA 504 Loan
The SBA 504 loan is designed for business owners who plan to expand their operations through land acquisition, building acquisition or construction or finance machinery or equipment purchase.
Ideal For |
Business owners who want a long-term fixed rate or adjustable rate loan to purchase, expand or construct owner-occupied real estate or purchase major, long-term (i.e. 10 year or longer usage projection) equipment. Businesses must meet the SBA’s Guidelines. |
How it Works |
Backed by the SBA, the 504 loan is generally is funded from three sources: High Trust Bank, the SBA, and equity from the borrower.
There is also a requirement to meet certain local economic objectives, such as job creation/retention, revitalization and redevelopment, income generation or business development.
Plus, benefit from longer terms and amortization and below market rates, compared to other types of business financing. |
USDA Loan
Ideal For |
Businesses located in rural areas who want to purchase fixed assets, refinance debt, or need working capital. Businesses must meet the USDA’s Guidelines. |
How it Works |
USDA loans offer loans up to $25,000,000 with flexible, longer terms and lower rates than alternative financing.
The USDA offers a guarantee of up to 80% of the loan amount.
High Trust Bank’s streamlined application and closing process reduces the normal paperwork and allows for quicker closings. |
Need an SBA & USDA Lender click here?
Please contact one of our lenders to get more information on High Trust Bank’s SBA & USDA Lending Division.
MAIN OFFICE
280 Country Club Drive
Stockbridge, GA 30281
770-692-2449
Please feel free to e-mail us with any questions or concerns.
Click here for our Comment Form.
DEPOSIT OPERATIONS |
|
CUSTOMER SERVICE |
|
CHECK PRINTING |
|
LOAN OPERATIONS DEPT. |
|
TELLERS |
|
