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Business Loans

About Business Loans

Do you need a banking partner to help your business thrive? It starts with finding a lender who knows you and your business. Our experienced lenders have decades of experience in helping businesses, just like yours, grow and prosper. Call one of our commercial lenders today to see why so many businesses are switching to Decatur County Bank.

Benefits and features:

  • Great rates
  • Flexible terms
  • Automatic payment options from your DCB/WTN checking or savings account
  • Local decision making
  • Simple, fast and personal service


Offering Businesses Immediate Access to Cash Through Accounts Receivable Financing

Access to cash is critical to the success of any business. To assist your business with its cash flow, Decatur County Bank now offers accounts receivable financing. We are proud to announce the addition of CapitalExpress to our portfolio of commercial lending products.

How CapitalExpress Works:

  • You make sales and invoice your customers on credit terms.
  • You transmit your transaction data to Decatur County Bank via the CapitalExpress online system.
  • Decatur County Bank purchases your receivables at a discount, places small amount in a reserve account and funds balance to you.
  • Decatur County Bank applies payments to corresponding invoices through the CapitalExpress System.
  • You track your receivables cycle through CapitalExpress online systems with 24/7/365 access.
  • Customers mail payments on invoices to bank-controlled lockbox.

Benefits to Your Business:

  • Establish Predictable Cash Flow:
    Through ongoing funding out of daily invoices, a business is able to establish reliable cash flow. Improved cash flow allows you to capitalize on growth opportunities and expand operations.
  • Gain Competitive Advantage:
    Businesses can offer more flexible terms to customers and take advantage of supplier discounts. Improved cash position may offer the business new opportunity to negotiate even better discounts.
  • Eliminate Debt:
    Businesses can reduce short term debt, make payroll, pay down other obligations, and access new working capital without creating new debt. The CapitalExpress program works as a self-liquidating line of credit for the business.
  • Better Business Management:
    CapitalExpress offers superior technology and real-time reports, giving businesses the capability to make more informed decisions.

Small Business Administration (SBA) Loans

Not everything fits into the box. We understand this concept, and that’s why we offer affordable loans for businesses that are new or unique. If your business doesn’t qualify for traditional lending, our SBA loans may offer you a solution.

Benefits and features:

  • Perfect for financing start-up businesses, as well as purchasing and refinancing existing businesses
  • Extended terms for qualifying businesses
  • Competitive rates
  • Low down payments
  • Local decision making
  • Simple, fast and personal service