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Business Lending


SBA Paycheck Protection Program (PPP)

Old Point is proud to have helped approximately 1,000 small businesses and over 10,000 jobs in our community through PPP loans in 2020 and we look forward to assisting you with your continued PPP needs.

>> Click here to apply for PPP Loan Forgiveness

>> Click here to read more about the local impact of our assistance


Old Point has money to lend to help your business grow.

Whether you're preparing to get new equipment in your facility or negotiating an international trade transaction, we can satisfy your unique need.

The right tools and financial programs, coupled with skilled loan officers, makes Old Point the ideal partner for your businesses. Talk to one of our business loan officers today!

We Are a Trusted Lender, Specializing in:

  • Working Capital Lines of Credit
  • Equipment Financing
  • Commercial Real Estate Financing
  • Asset-based Inventory and Accounts Receivable Financing
  • Standby Letters of Credit
  • Tax-exempt Bond Financing
  • Financing for Mergers, Acquisitions, ESOPs and other changes of ownership and recapitalizations.


We have the commercial loan that's right for you:

Commercial Term Loans

With Old Point's flexible terms and pricing, you can purchase fixed assets like equipment with a modest down payment, keeping more of your capital free for other expenses.

Capital Lines of Credit

With a limit set up in advance, a revolving credit line works like a credit card, helping you meet temporary cash flow needs without being burdened by monthly principal payments.

Commercial Mortgages and Investment Mortgages

Old Point offers variable or fixed rate term loans for when you want to finance or invest in property for your business operations and spread repayment out over a period of up to 20 years.

Commercial Construction Loans

You may be planning to invest in it or operate from it, but if you're starting from the ground up, Old Point can help you finance the construction.

Commercial Vehicle and Equipment Loans

Whether it's a car, truck, boat or backhoe, we offer financing for your commercial vehicle needs.

Letters of Credit

Maybe you're working on an international transaction or you're bound by a performance contract. In certain cases, Old Point can help you eliminate the need for large deposits and expedite your dealings by guaranteeing your performance to a third party.

Single Payment Loans

If you've got funds due to you from a contract or tax return, but there's an asset you need to finance now, Old Point can offer a loan to help you in the meantime.

Small Business Administration Loans

Old Point can provide start-up businesses and established businesses with the guidance they need to qualify for government support. Old Point is a preferred SBA Lender.

Personal Financial Statement

Some loans require borrowers or guarantors to complete a Personal Financial Statement. If your Loan Officer has asked you to complete a Personal Financial Statement, click below to download the form. Note that you must “Enable Macros” or “Enable Content” for the form to function properly.

Personal Financial Statement Form