Business Loans & Services


When your business grows, our community grows.  We are proud to offer customized services and a variety of loan options to meet your needs.

Submit A Business Loan Inquiry Today


Opportunity Loans

  • Housing Opportunity Loans
    • For homeowners and investors to create or preserve affordable housing.
  • Facilities Opportunity Loans
    • For improving community facilities, including churches.
  • Business Opportunity Loans
    • For small businesses.
  • Development Opportunity Loans
    • For owners and developers of commercial real estate.

SBA Loans

  • Max Loan Amount @ $4 million
  • 85% guarantee up to $150,000
  • 75% guarantee over $150,000
  • Interest Rates may not exceed SBA maximum
  • Collateral
    • Loans over $350,000, lender must collateralize to maximum extent possible
  • Eligibility
    • For-profit business
    • Engaged in business in the U.S.
    • Reasonable owner equity
    • Use alternative resources prior to seeking SBA loan

Commercial Real Estate Loans

  • Non-Owner occupied 1-4 family investment property
  • Financing for purchase, renovations and refinancing
  • LTVs of up to 85%
  • Max terms of twenty (20) year amortization
  • Interest rates based on prime plus adjustor

Church Loans

  • Construction of new sanctuaries
  • Renovation and upgrades of current sanctuaries
  • Refinancing of existing debt
  • LTVs of 80%
  • Max terms of twenty (20) year amortization
  • Max fixed rates of up to 5 years
  • Interest rates based on prime plus and adjustor

Commercial Lines of Credit

  • Acquisition of commercial or rental property
  • Working capital
  • Purchase of equipment
  • Renovations to current structures
  • Annual review periods
  • Payments of interest plus 2% of principal balance

Land Loans

  • Raw land and land development
  • Purchase of vacant lots, refinancing and land development
  • LTV of 65% on raw land, 75% land development

Statesboro Small Business Fund

  • City of Statesboro committed $250,000 loan loss reserve to support local small businesses hit by Covid-19
  • Carver committed up to $1 million in lending to Statesboro businesses
  • Eligibility
    • Must be located in City of Statesboro
    • $2 million or less gross revenue
    • Must be in operation on March 14, 2020 when Governor declared GA State of Emergency
    • City loan losses limited to $25,000 per loan

Community Development Finance


At Carver, we care about your business, and we know you need flexibility and customized service to help it grow. Call us today to learn how we can help.

  • Credit/Debit Processing (Merchant Services)
  • Business Time Deposits
  • Online Banking
  • Night Deposit
  • Safe Deposit Boxes
  • Notary Public
  • Business Checking and Savings
Commercial Loans