Commercial Lending

1st Advantage can provide you and your business with many types of business loan services.

Owner-Occupied Commercial Mortgage Special

Contact us today!

Lines of Credit

A 1st Advantage Line of Credit provides your business access to cash for a variety financial needs.

Overdraft Protection

A checking account option that keeps temporary cash-flow issues from putting your business on hold.

Term Loans

Term loans are used to finance the acquisition or modernization of the company's productive assets. This includes:

  • Machinery, equipment, furniture, fixtures, and to make leasehold improvements
  • Expansion or modernization of facilities
  • Vehicles or other business transportation

Commercial Real Estate

We offer very competitive financing for commercial real estate, including the purchase of existing buildings or refinancing current loans for:

  • Commercial properties, both owner and non-owner occupied
  • Rental housing, apartment, or combination business/residential properties

Advantage Business VISA

Advantage Business VISA offers a flexible way to streamline purchases and control your expenses. Separate business purchases from personal expenses and issue cards with spending limits for employees' purchases and travel.

Contact a Relationship Manager for more details.

*APR = Annual Percentage Rate. 5-year term, 25-year amortization, promotional rate available for owner occupied business mortgages only. Minimum loan amount is $100,000 and maximum total relationship of $2,000,000. Maximum loan to value (LTV) is 70% of the lesser of purchase cost or appraised value. Loans subject to origination fee of 1%. New loan funding only. Standard closing costs apply. Property insurance required. Subject to credit approval. Rate based on business and guarantor credit worthiness. Certain restrictions apply. Contact 1st Advantage for complete details. Limited time offer.


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Routing # 251480563  |  757-877-2444  |  800-359-7650

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We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA (National Credit Union Administration), a U.S. Government Agency.  NMLS #509408