Two businesspeople shaking hands

Business Borrowing

Financing that moves your business forward

Expand operations. Purchase real estate. Acquire working capital and affordable credit. When your business needs timely funding to grow and prosper, work with someone you trust. At RockPointBank, our local bankers are experienced, empowered to make lending decisions and will go the extra mile to understand your goals and tailor loans to fit your unique borrowing needs.
RockPointBank Commercial Line of Credit

In business, financial needs can arise at any moment. A credit line offers quick access to funds that can be used to pay for repairs, purchase inventory, cover unexpected expenses or simply see you through periods of reduced cash flow.

  • Competitive rates
  • Easy access to funds through online banking and the RockPointBank mobile app
  • Pay interest only on the amount actually borrowed
When you purchase new equipment, you expect it to last for years. It often makes sense to stretch out payments over a longer period. Our bankers can provide customized financing that aligns your loan terms with the useful life of the asset being purchased.

  • Competitive rates
  • Flexible repayment terms
  • Loan structuring help from seasoned professionals
Owner-Occupied Real Estate Loans

Whether you're building a company headquarters or acquiring a new distribution center, we can help get the job done. At RockPointBank, we offer a variety of loans to meet your company's real estate needs.

  • Competitive rates
  • Flexible repayment terms
  • Sophisticated loan packages that cover everything from construction lines of credit to permanent term financing
  • Refinancing options available

Non-Owner Occupied Real Estate Loans

From office parks to shopping centers to condo complexes, we partner with developers on a wide range of commercial and residential projects.

  • Competitive rates
  • Flexible repayment terms
  • Refinancing options available

Keep your business spending separate from your personal with our business credit cards.

  • Employee cards at no extra cost
  • Transaction Reporting
  • Credit Line Sharing & Consolidated Statements
  • Mobile Payments
  • Email and Text Fraud Alerts
  • Fraud Monitoring and Zero1 Fraud Liability
  • Travel Accident insurance
  • Personal service from people you know
Choose the option that is best for your business!

*See the card application's Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
A P-Card empowers employees to purchase goods and services for your business without going through the traditional approval process. Regular card use earns your company cash rebates, and an online account management system ensures close oversight of the payables process.

  • Provides businesses with improved efficiency, reduce costs and greater visibility into expense and procurement
  • Easily add cardholders, regulate spending limits, update profiles and make payments in real time
  • Streamlines the way you pay your suppliers. Visa processes your accounts payable files and adjusts limits as needed
  • Offers extensive spending analysis capabilities

RockPointBank is a full-service financial institution headquartered in Chattanooga, Tennessee.