Borrowing Solutions for
Your Business

Increase your working capital to start, improve or even expand your business

Get started with small business loans - important (moves focus down)

Your small business is a big deal to us

That's why we take the time to truly understand every aspect of your business—including the dreams and aspirations that drive it. Wherever you see your business heading, look to BB&T for informed solutions to help you get there.

Learn more about our partnership approach

Which borrowing solution is right for you?

With our support, your opportunities are endless

When you take advantage of a BB&T small business borrowing solution, you don’t just get a product—you get a suite of opportunities to help your business succeed. BB&T borrowing products offer convenient access to funds when you need to finance working capital, purchase equipment, expand the business, buy a building, pay employees, and more.

Loans

Get financing for start up costs, maintaining cash flow, making improvements, and other business expenses to increase your chances of success

  • Get a specified loan amount distributed as a lump sum
  • Establish the length of your loan at the beginning of the loan process
  • Choose from a variety of fixed and variable rate options
  • Make scheduled monthly payments of principal and interest
  • Apply for a secured or unsecured loan
  • Use a loan to make a large one-time purchase

Lines of credit

Leverage the value of your assets into a convenient, flexible line of credit for your business when you need it

  • Get a revolving maximum credit line amount
  • Enjoy flexibility in accessing funds when your business needs it
  • Finance day-to-day operations, supplement cash flow, or take advantage of unexpected business opportunities
  • Make monthly payments that adjust according to your balance
  • Pay down the line amount and use it continually over time within the maximum limit

SBA Borrowing Options

Small Business Administration (SBA) borrowing options can help you start or grow your business. As an SBA Preferred Lender, BB&T partners with the US Small Business Administration, which can make it easier for you to repay your loan and keep cash in your business

  • Choose from multiple borrowing options to get the fit that's right for your business 
  • Benefit from a lower down payment and more flexible terms
  • Use your funds to start a business, buy an existing business, fund working capital, purchase land or buildings, make renovations, or purchase equipment or inventory

Business credit cards

Get a business credit card that simplifies your finances and earn rewards for business purchases

  • Pay bills and vendors immediately and leverage a monthly payment cycle and 25-day grace period for payments
  • Choose from three business credit card options to best suit your needs
  • Use the card to finance daily operations and keep business expenses separate from personal expenses
  • Earn rewards for business purchases

Ready to get started?

In person

Locate a branch.

Still exploring?

Whether it's for startup costs or capital expansion, eventually most businesses need to borrow money. Being prepared and understanding the requirements can increase your chances of getting a loan and making the process easier.

If you have plans to start or expand a business, the Small Business Administration (SBA) can help. The SBA participates in loan programs for business owners who may not qualify for a traditional loan to get them the funding they need.

See our Commercial Bank Services Agreement (PDF) for more information.

Learn more about your account, including fees and ways you can avoid them.

Loans, lines of credit and credit cards are subject to credit approval.

Branch Banking and Trust Company is a Member FDIC and an Equal Housing Lender. Equal Housing Lender icon