Commercial Lending

Forge ahead with access to working capital

Finance equipment, facilities, real estate, business acquisitions and much more.

Get started with Commercial Lending from BB&T - important (moves focus down)

Flexible lending options for businesses and institutions

Whether you have immediate needs or are looking to capitalize on expansion opportunities, BB&T has the industry knowledge and expertise to offer financing that works to your advantage.

Commercial term loans

Purchase owner-occupied real estate, equipment and more with great rates and flexible structures

  • All loans are serviced by commercial lenders who work with you to understand your business needs
  • Repayment can be structured according to your cash flow
  • Loan terms can be set to correspond with the life of the asset
  • Flexible collateral options are available

Working capital solutions

Get a flexible line of credit secured by your accounts receivable and/or inventory

  • Finance working capital needs for growth and expansion
  • Purchase raw materials or finished goods
  • Cover work-in-process costs or finance-extended payment terms to your buyers overseas

Commercial real estate financing

Finance commercial and residential construction, land acquisition and more

  • Flexible lending options to meet your specific property needs
  • Loans, lines of credit and additional options for business development
  • Wide range of residential building financing available

Equipment financing

Preserve your working capital by leasing or financing your equipment

  • Full range of financing options, including capital leases, loans, equipment finance agreements, terminal rental-adjustment clause leases, and operating and fair-market-value leases
  • Financing specialists well-versed in both the tax and accounting treatments of larger transactions
  • Financing available for a wide range of items, including industrial, office and transportation equipment

Health care practice solutions

Get up to 100% financing and extended terms for physicians, dentists and veterinarians

  • Purchase or refinance real estate
  • Purchase equipment
  • Acquire or buy into a practice
  • Increase working capital
  • Make leasehold improvements and renovations
  • Refinance to consolidate existing debt

Agribusiness lending

Expand your operation, restructure debt and increase working capital

  • Loans can be structured on a revolving, seasonal or term basis
  • Repayment can be structured to work with your cash flow
  • Customized loans and solutions are available to meet your individual needs

Export financing

Get financing and insurance to successfully conduct international trade transactions

  • Secure financing to facilitate single or multiple export transactions
  • Get protection against nonpayment by foreign buyers
  • Offer competitive credit terms to foreign buyers with little risk
  • Expand your borrowing capacity by using foreign receivables as collateral
  • Take advantage of cost-effective financing options designed specifically for your business

Governmental financing

Secure financing for renovations, facilities, infrastructure, equipment and more

  • Municipalities and counties
  • Hospitals
  • Water and sewer authorities
  • Public colleges and universities

Your business has our full attention

When you're ready to take your business to the next level, we'll be ready to offer a customized strategic plan to meet your needs.

Learn more about our approach to commercial banking - important

Ready to get started?

In person

Locate a branch.

Online

Request a callback or an email reply.

Use our knowledge to your advantage

Leverage our financial knowledge and expertise to build your strategy for success and ensure a competitive edge for the future.

Learn from our Intellectual Capital - important

Related services

Lending

Choose from comprehensive financial services to meet your company's needs.

Commercial banking

Choose a checking account, money market account, CD or credit card that's right for your commercial business.

Treasury management

Optimize your company's liquidity, make sound investments for the future and reduce your financial risks with an array of treasury management options.

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

BB&T Equipment Finance is a wholly owned subsidiary of Branch Banking and Trust Company.

Branch Banking and Trust Company, Member FDIC.