Business Lending

Whether you need to finance growth, cover timing gaps in revenue collection, or simplify your vendor payments, Peoples Bank of Alabama has customized credit options to help you meet the challenges of running your business.

We offer flexible interest rates, easy repayment terms and maximum credit availability. You know your business - and we know business credit. We'll help you choose the right credit solution from a wide range of options to best match your particular business situation.

Since every business is unique, we need to get to know you, your business and the marketplace in which you compete every day. The following information will assist our banking team in understanding your business and how we might be able to assist:

  • Three to five years of business financial statements and/or tax returns
  • Personal financial statements on all key business owners
  • Current operating statements for your business (year to date P&L and balance sheet)
  • Financial projections or business plan; if you have completed a business plan or financial projection, it will assist the business banking team

While this information is vital to our getting to know your business, the most important thing to Peoples Bank of Alabama is to build a lasting relationship with you and your business. 

Connect with a local business banking expert.

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Business Credit Cards

A business credit card from Peoples Bank of Alabama gives your business the convenience you need to take control of your finances. Whether you need a low rate or want the rewards of 1% cash back, you get to choose which option is best for your business. Plus with 0% APR on purchases and balance transfers for the first 7 months, go ahead and make that large purchase your business needs or pay off other higher interest rate cards.

Business Lines of Credit

A business line of credit is a convenient tool for meeting short term financing needs. It can be used to purchase raw materials, inventory or to meet seasonal cash flow needs. These lines are typically secured by the working assets of your business: accounts receivable and inventory.

Term Loans

Business term loans allow you to finance major equipment, plant or building expansions projects. These loans are typically secured by the fixed assets owned by your business (buildings, real estate, equipment). The term of repayment is determined by the useful life of the assets involved and the repayment ability of your company.

Construction Lines and Loans

A construction line or loan allows your business to borrow up to a predetermined amount to acquire land and to construct buildings which your business will occupy. As construction progresses and you draw up on the line, you pay interest only on the amount borrowed. At the end of construction, the line can then be converted to a term loan to be paid out over a period of years based on the repayment ability of your company. In addition to financing owner occupied properties, Peoples Bank of Alabama also provides financing for investment or tenant occupied properties. 

We exist to meet the needs of our local communities. One way we do this is by having a dedicated team focused on helping businesses maximize their return on capital. Our GCap Financing team works closely with the Small Business Administration, United States Department of Agriculture and other federal, state and local agencies to provide you a bridge from where you are today to where you want to be in the future. We work with you to find the financing solutions that will best help you achieve your goals.


Sometimes your business is growing so fast you are having difficulty keeping up. You may be faced with cash flow shortages, lack of man power, limited time or no space for new staff. Our ProBilling team can help you eliminate your limitations. We can’t make your company successful, but we believe if you have the time and resources to focus on what you’re good at, you can. That’s where we can help. We are a complete accounts receivable service helping businesses just like yours go to the next level.  

Business Cash Back credit card Terms & Conditions. Business Low Rate credit card Terms & Conditions.