Commercial Loans

Business Loans

Enjoy a competitive interest rate on financing new or used vehicles, long-term working capital, equipment, existing debt or expansions.

Hancock Bank & Trust Company will meet your business lending needs responsibly—providing what you need to be successful without overdoing it. We work hard to streamline the lending process to save time, allowing you to focus on business at hand.

Account Details

  • Competitive interest rates
  • Customizable lending options
  • Close relationship to know your specific business needs
  • Local decision-making
  • Flexible terms
  • Use for a wide range of needs
  • Personalized service throughout process
  • Easy to get started

Commercial Lines of Credit

Whether your needs are large or small, our business lines of credit allow you to access cash on an ongoing basis.

Essentially, you're approved for a loan that you can access whenever you need. Use it again and again without re-applying. Since you do not receive the funds up front, you only pay interest on what you use. It's fast, easy, and cost-effective.

Account Details

  • Low variable interest rate
  • Provides flexibility
  • Excellent for short-term needs
  • Solves working capital problems
  • Once approved, use funds when you need them
  • Only pay interest on what you use
  • Re-access without re-applying
  • Local decision-making
  • Easy to get started

Commercial Real Estate

When the time comes to expand, relocate or buy real estate property, Hancock Bank & Trust Company is here to help.

Account Details

  • Competitive interest rates
  • Customizable lending options
  • Local decision-making
  • Available for purchase, expansion, construction, etc.
  • Construction loans can be refinanced into permanent financing
  • Personalized service throughout process
  • Easy to get started

Multi-Family Housing

Interest rates are at record lows for multi-unit apartment buildings. Hancock Bank & Trust Company can help you take advantage of this opportunity.

We can provide highly competitive loans for the acquisition of multi-family properties. Apartment owners can refinance existing higher-rate mortgages to save money or cash-out refinance to extract equity.

Account Details

  • Competitive interest rates
  • Terms up to 20 years
  • Available for purchase, refinance, construction
  • Local decision-making
  • Flexible terms
  • Personalized service throughout process
  • Easy to get started

Business Credit Card

Give yourself and your employees’ maximum flexibility with Business Visa® Commercial credit cards. Detailed reports simplify expense tracking, saving valuable working hours as well as reducing errors and fraud opportunities. Get on the fast track with business credit cards from Hancock Bank & Trust Company.

Summary

  • Accepted at thousands of locations worldwide
  • Use for secure online purchases
  • Set unique limits for each employee card
  • Detailed monthly statements
  • Simplify expense tracking and recordkeeping
  • Eliminate need for petty cash
  • Late payment fee only $5
  • No annual fee
  • Balance is to be paid in full each month
  • No cash advance fee
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