Virginia Commerce Bank
Business Banking

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Business Lending

Helping your business is our business. We’re making the difference in local business communities by offering flexible and competitive financing solutions for your business. Our team of lending professionals use years of lending experience, local business relationships and personal attention to quickly respond to your needs with specialized commercial loan products and solutions.

It doesn't matter whether you're self-employed, operate a small business, or run a large corporation or non-profit organization, we have loans and lines of credit designed to help you achieve your goals.


VCB Lending Solutions

Working Capital Lines of Credit 

Does your daily business rely on immediate access to cash? A variable rate revolving line of credit can give you flexibility to keep pace with:

  • Accounts receivable
  • Inventory
  • Seasonal cash flow
  • Government contract receivables

Secured Business Line

Accessing funds is convenient with our 5-year credit line from $25,000 up to $500,000, featuring check access, no annual rest period and a competitive variable interest rate.   

Letters of Credit

If you need to make a deposit or guarantee a payment without tying up cash, a letter of credit is a great solution.

Term Loans

You tell us the repayment term your business needs, and we’ll give you the ideal fixed or variable rate loan for permanent working capital, business expansion or investment.
Equipment Loans and Leases

Do you need to finance the tools of your trade?Find out more about VCB’s equipment leasing services, featuring 100% financing, great interest rates and repayment terms up to five years or more.

SBA-Guaranteed Loans

Who says nothing’s guaranteed? We offer loans backed by the Small Business Administration at rates often lower than other SBA-guaranteed lenders.

Business Real Estate Loans

We can finance your new building, renovation or expansion for owner occupied or income producing properties, including multi-family, office, retail, warehouse or special use. Our lenders can offer:

  • Up to 80% Loan to Value owner occupied
  • Up to 10-year term with 25-year amortization
  • Competitive variable or fixed interest rates
  • Low points and fees
Construction Loans

Build smarter with one-time settlement for residential or commercial loans with:

  • Competitive fixed or variable interest rates
  • Low points and fees
  • Terms out to 18 months
  • Up to 85% Loan to Cost

Acquisition/Development Loans

When a great real-estate opportunity arises, we can help you with a competitive-rate residential or commercial loan, featuring low points and fees, terms out to three years and up to 75% Loan to Cost

Government Contract Financing

Our experienced government contract specialists can help your contract performance with flexible, custom programs and great rates.

Are you ready to get a great loan to build your business? Call (703) 534-0700 or
use our locator
to find a conveniently located commercial lending office and enjoy
our outstanding customer service. Or let us contact you.

Prepare to Apply

Because we work with an entirely local loan team at VCB, we can approve loans quickly, many times in less than a week, once we receive a complete loan package.

We’ve taken the inconvenience out of compiling the documents you need to apply for a business loan:
Application Checklist
Personal Financial Statement    Form
Request for copy or Transcript    of Tax Form (IRS - 4506)

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