Small businesses are the backbone of our communities —that’s why we have options designed for everyday business needs to help you move forward confidently 

Ready to apply for a small business loan? Here’s how to get started

We keep the process clear and efficient—so you always know where you stand and what comes next.

01
Start with what you're building

Tell us what the financing will support—equipment, inventory, property, or simply managing cash flow between payments. We’ll begin with your goals and work from there.

02
Find the right fit for your business

A term loan and a line of credit serve different purposes. A Small Business Specialist will walk you through how each works and help you choose the option that fits your plans.

03
Move forward with local support

Your loan is completed in a financial center, so you have clear guidance throughout the process—and a local partner you can turn to long after closing.

Our team

Local guidance that respects your time

We live and work in the same communities you do. That local understanding helps us move faster, communicate clearly, and support small businesses with practical solutions—not one-size-fits-all lending.

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Your questions, answered

Getting a small business loan starts with a conversation about what you’re building and how financing can support it. If you’re an Allegacy member, you can begin by connecting with a Small Business Specialist. We’ll talk through what the funds will be used for—whether that’s equipment, inventory, property, or managing cash flow—and review your business’s financial information to understand the full picture. From there, we’ll explain the available options, such as a term loan or line of credit, and help you choose what fits your goals.  

Not yet a member? We’ll walk you through eligibility and the simple steps to join before getting started. 

A small business loan can be used for equipment, vehicles, inventory, working capital needs, or owner-occupied property purchases. The right option depends on what the financing supports.

A Small Business Term Loan provides a set amount that is repaid over time. A Small Business Line of Credit provides access to funds that can be used as needed and repaid as balances change.

You do not need to be a member to begin the conversation. Membership is required before approved loans or lines are closed.

Small business loans are completed in a financial center with a Small Business Specialist so you have guidance throughout the process.