Small Business
Specialty Lending

A Better Approach to Small Business Loans. We know all about the hard work you put in – and we understand. Colony Bank’s Small Business Specialty Lending (SBSL) focuses on SBA / USDA lending and customized financial solutions for small businesses.

Explore your options. SBA loans typically offer lower down payments and competitive terms. Our Preferred Lender Status gives us the ability to get capital in your hands faster.

Learn more here 

Let’s work together. Our USDA experts are passionate about helping rural America thrive. Let’s work to enhance economic opportunity in our community.

Find out more today 

Get in touch with us. Need help? Feel free to reach out to one of our expert small business lenders with any comments or questions.

Contact us today 
Lending and customized financial solutions for small businesses.

With hundreds of years of combined experience, we understand the needs of small businesses and we’re dedicated to seeing small businesses succeed. As an SBA Preferred Lender, we are able to reduce the time it takes to close your loan and get you funds for your business faster than other banks.

Meet Our Team

Business Loans That Accelerate Your Long Term Success

When traditional bank financing is not an option, government-guaranteed loans are some of the most borrower friendly alternative solutions to make your business dreams a reality.

Government-Guaranteed Loans

  • Highest Loan to Cost or Appraised Value
  • Lowest Down Payment
  • Lowest Interest Rate
  • Lowest Fees
  • Longest Terms
  • Lowest Monthly Payment

Other Non-Traditional Loan Options

  • Shortest Time to Close
  • Least Amount of Documentation
Our low down payment loans can be used for many of your business needs.
Purchase Commercial Real Estate
Construct/Renovate Commercial Real Estate
Refinance Commercial Real Estate
Working Capital
Refinance Business Loans
Partner Buyout
Purchase Equipment
Purchase a Business/Franchise
Expand a Business/Franchise
Leasehold Improvements
Start a Business/Franchise
Purchase Inventory

Our Simplified Process

Before you invest too much time and effort, we remove the uncertainty of getting your business loan approved. Other banks/lenders have you complete 75% of the process before removing the uncertainty.

Qualification

Your Business Development Officer will collect certain documentation so we can perform a thorough initial analysis reviewed by an approving officer. If the approving officer is confident a formal approval is likely, we will issue a Pre-Qualification Letter.

Application

After accepting our Pre-Qualification Letter, the BDO and a Production Coordinator will work with you to gather any outstanding items needed for underwriting. We recommend ordering any required third party reports to help expedite closing.

Underwriting / Approval

A formal analysis is completed by your assigned Underwriter. We will schedule a meeting for you to discuss your loan request with the Underwriter and answer his/her questions. Once the analysis is complete, the Underwriter will submit the Loan Report to an approving officer for approval. Upon approval of your loan, a Commitment Letter outlining the terms and closing conditions will be issued.

Processing / Closing

After we receive your executed Commitment Letter, a Processor will be assigned to obtain the government’s approval and coordinate closing with all relevant parties. The Processor will assist you in gathering documentation and completing any conditions required for closing.

Our Loan Solutions

Backed by the Small Business Administration, SBA loans typically offer lower down payments and competitive terms. Our Preferred Lender Status gives us the ability to get capital in your hands faster.

  • SBA 7(a) Loan Program
  • SBA 504 Loan Program
Learn More

Our lending team is comprised of USDA experts who are passionate about helping rural America thrive. Let’s work to enhance economic opportunity in your community.

  • USDA Business & Industry Guaranteed Loan Program
  • USDA Community Facilities Guaranteed Loan Program
Learn More
Contact an expert small business lender.
Adam Huber

SBSL National Sales Manager (412) 600-9631

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Akem Durand

VP, Business Development Officer (984) 328-2807

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Alexandria Schwandt

AVP, Business Development Officer (850) 276-9996

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Charles Gillis

VP Business Development Officer (912) 293-1393

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David Moored

VP Business Development Officer (616) 901-0238

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Kandee Cotton

VP Business Development Officer (614) 403-4665

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Ken Glover

VP Business Development Officer (904) 710-1833

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Monty Chambers

VP Business Development Officer (940) 453-0465

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Robert Ruiz

VP Business Development Officer 512) 797-4742

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