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Owners Bank Business Loans & Credit

Capital When You Need It

When opportunity strikes—to support your growth, hire new people, handle a new project, etc.—you want fast access to capital, not a lot of red tape from a bank that doesn’t know who you are. We typically make decisions on loans within 24 hours. Cash flow should never get in the way of success, so we’re here to make it easier to get the loans and credit you need, when you need them.

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Term Loan

Up to $1,000,000

Fixed interest rates and shorter repayment terms. Fast funding and easy process for your major purchases.

Loan amount: Up to $1 million
Term length: Up to 60 months
APR as low as 8.5%

Did you already start an application? Click here to login and continue your application.

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line of credit

Up to $250,000

For working capital to manage cash flow, inventory or other capital expenditures.

Credit limit: Up to $250,000
Revolving line of credit
Variable APR as low as 8.5%

Did you already start an application? Click here to login and continue your application.

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Credit Card

Up to $50,000 Limit

A business credit card for everyday purchases.

16.99% APR – varies with the market based on the Prime Rate
Digital dashboard to check balance and make payments
Rewards program for travel, gift cards, merchandise and more!

Click here for more information and to read the Owners Bank Credit Card terms and conditions.

Did you already start an application? Click here to login and continue your application.

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Own It! Rewards

The Owners Bank business credit card includes our Own It! Rewards Program:

Earn 1 point for every $1 you spend on eligible purchases
10,000 bonus points awarded in the first 120 days of card opening
- Incentive qualifying net dollar amount spent: $1,200
- Incentive reward for qualifying amounts: 10,000 points
- Minimum of 12 transactions
Redeem for merchandise, gift cards, travel and more.

HERE’S WHAT YOU’LL NEED TO GET STARTED:

Minimum credit score: 650
Your business must be registered to operate in Connecticut, Florida, Georgia, Massachusetts, North Carolina, Pennsylvania, Rhode Island, South Carolina, Virginia, and Texas
More than 6 months in business (term loan and line of credit only)
Business must open & maintain an Owners Bank checking account with pre-authorized payments

All loans and lines subject to credit and underwriting approval.

Partner or Referral loans may have a third party referral/partner fee.

Frequently Asked Questions

Our accounts were created to help business owners manage their business. We currently offer:
- “YOU OWN IT” CHECKING – We give you a quarter back for every debit card transaction of $25 or more¹
- INTEREST CHECKING SPECIAL – We offer a 2.28% APY on balances over $100,000, 2.02% APY on balances between $10,000.01–$100,000 and a 0.10% APY on balances between $0.01–$10,000²
- “YOU OWN IT” SAVINGS – Help your money grow with competitive interest rates of 4.50% APY on balances over $200,000, 4.00% APY on balances between $100,000.01–$200,000 and 3.50% APY on balances between $0.01–$100,000³
You can learn more about these accounts, rates, and fees here.

Rates are effective as of January 2, 2025

1. “You Own It” Checking rebates $0.25 for each qualified transaction that posts within the statement period. Qualified transactions are debit card purchases of $25 or more. ATM transactions do not qualify. Rebates post on last day of statement period while account is open and are labeled as “Cash Rewards.” May be subject to 1099 reporting. Fees may reduce earnings. $25 minimum to open.

2. The Annual Percentage Yields (APY) indicated are as of the effective date and are subject to change without notice. Account is subject to 1099 reporting and fees may reduce earnings. $25 minimum to open. Minimum balance to earn APY is $0.01. Daily balances of $0.01 – $10,000.00 earn a 0.50% APY, daily balances of $10,000.01 – $100,000.00 earn a 1.50% APY, and daily balances $100,000.01+ earn a 2.00% APY.

3. The Annual Percentage Yields (APY) indicated are as of the effective date and are subject to change without notice. May be subject to 1099 reporting. Fees may reduce earnings. $25 minimum to open. Minimum balance to earn APY is $0.01. Daily balances of $0.01 – $100,000.00 earn a 3.25% APY, daily balances $100,000.01 – $200,000.00 earn a 3.75% APY, and daily balances $200,000.01+ earn a 4.25% APY.
As an Owners Bank business checking and/or savings account customer, you are automatically enrolled to receive eStatements.

If you would like to receive paper statements, you have ability to view and print your eStatements by following these steps:
- Login to your Owners Bank online baking account via Owners Bank
- Hover over Account Services
- Click eStatements
- Select your date range, document type and account