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  • You're Invited!

    Join us for our Executive Open House events on 5/24 and 5/25. Let us thank you for your business and more! Click here for additional details and to RSVP. Thank you for banking with us!


Credit Services

Centennial Bank offers a full line of business loan products to suit your borrowing needs. The lending professionals at Centennial Bank understand that each situation is unique and they are ready to review your business banking requirements to develop a customized loan package that will complement your entire banking relationship. You will benefit from the innovative solutions, competitive rates of interest, flexible terms and timely decision-making available at Centennial Bank.

Business Revolving Lines of Credit

A Business Revolving Line of Credit offers flexible terms and competitive rates of interest. Whether you're financing inventory, accounts receivable, or simply using your credit line to manage cash flow needs, a pre-approved revolving line of credit is there when your business needs it. When not needed, you can pay down your line of credit or pay it off in full. A Business Line of Credit lets your business weather cyclical sales fluctuations, temporary cash flow needs and business emergencies.

Business Term Loan

A term loan offers your business mid- to long-term financing. Use a term loan to purchase vehicles, fixed assets or the equipment you need to expand and grow your business.

Real Estate Loan

Purchase new property or refinance existing debt on commercial and residential owner and non-owner occupied properties with a real estate loan from Centennial Bank. Depending on the purpose of your investment, both long-term and short-term real estate financing is available.

Construction Draw Loan

A construction draw loan provides your business with the funds to build commercial or residential properties. This type of loan is also ideal for financing building expansion.

Letter of Credit

Centennial Bank offers various Letters of Credit to suit your business needs. Use a Standby Letter of Credit to secure financial or performance obligations. Or, finance the sale and movement of goods with a Commercial Letter of Credit.

Business Credit Cards 1

Visa® Business Credit Cards facilitate the purchase of supplies and services and the management of travel expenses. Individual limits can be established for each user and monthly statements include stub-accounting and consolidated reporting.

1 Centennial Bank utilizes UMB for credit card underwriting services. Please contact a lending professional for information on the application process.

U.S. Small Business Administration (SBA) Loan

For the borrowing needs of small businesses, an SBA Loan may be ideal. An SBA-guaranteed loan helps businesses meet their lending needs when conventional loan terms are insufficient.

  • The SBA 7(a) Loan Program offers financial assistance for businesses with special requirements. Proceeds of a SBA 7(a) loan may be used to assist in the acquisition, operation, or expansion of a small business.
  • The SBA 504 Program provides small businesses with long-term, fixed-rate financing to acquire major fixed assets for expansion or modernization.

Small Business Lending Fund (SBLF)

The Small Business Lending Fund (SBLF) enables community banks to help small businesses put Americans back to work.

Centennial Bank is a proud participant in the SBLF program. These loans have been provided to companies in the following industries: architecture, medical, bicycle retailer, day spa, trucking transportation, tree nursery, candle wholesaler and an attorney.

Centennial Bank is committed to providing solutions to businesses in our communities. If you want more information on how a SBLF loan can help your business meet its financial goals, contact your Centennial Bank banker today - our goal is to help you and your business succeed!


Prequalification, credit application and approval are required for all loan and credit card products. Please ask a Centennial Bank loan professional for details. Terms, conditions and fees may apply.

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  • You're Invited!

    Join us for our Executive Open House events on 5/24 and 5/25. Let us thank you for your business and more! Click here for additional details and to RSVP. Thank you for banking with us!