Whether you’re acquiring fixed assets, meeting emergency expenses, looking for working capital, or launching a new project, small business loans in Alabama go a long way in helping things go right. 

No matter the purpose, small business owners should take their time before choosing a loan package. You want a loan provider who is not only reputable but who also has your best interests at heart! For instance, you’ll likely want to consider the bank rates, approval times, and repayment schedule for your prospective lenders. Lenders should be open to discussing a payment plan that fits your cash flow and budget.

With NobleBank, that’s exactly what you get. We offer a wide range of small business loan programs and serve our clients with integrity and dedication.

At NobleBank & Trust, we help you fully tap into your entrepreneurial spirit. We have various financing options for your financial needs, from small loans to larger packages. Our expert lenders will help with your loan application to get you on the path to financial success. We also analyze the state’s economy and financial projections to get you the best interest rates possible.

Categories of Business Loans

At NobleBank, you have various loan programs available to you as a small business owner. You can take advantage of the following products to support your business goals:

With financial solutions for most of your investment ventures, we know what it takes to help you do business. Share your business plan with us and let our experienced loan officers customize the ideal solution for you. By taking advantage of our flexible payments and competitive interest rates, small businesses can accelerate their financial goals at an affordable price.



Personalized service
Knowledgeable loan officers
Low interest rates
Pre-approval options
Local administration and underwriting
Wide range of terms


Low rates

 for most business needs

Account Details

Business Term Loans

  • Low rates for most business needs:
    • Commercial auto loans
    • Equipment loans
    • Real estate loans
    • Working capital loans
    • Revolving lines of credit
    • Builder construction loans
    • And much more
  • Low interest rates
  • Various terms available
  • Pre-approval available
  • Local underwriting and administration
  • Knowledgeable loan officers
  • Personal service

Whether you’re taking advantage of new opportunities or responding to market demands, this loan program provides entrepreneurs with instant funding. Because business lines of credit work on demand, you don’t need another loan application upon approval. You can access your credit quickly and conveniently whenever needed.



Competitive interest rates for short and long-term projects, taking into account working capital, seasonal fluctuations, ongoing updates, inventory, etc.
Experienced loan officers
Funds available on demand; apply once and use again when needed
Interest only charged on what you use
Local underwriting and administration
More flexibility than traditional financing
Personalized service
Customized payment plans


Competitive rates

for a wide range of long-term or seasonal business needs

Account Details

Business Lines of Credit

  • Competitive rates for a wide range of long-term or seasonal business needs:
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
    • And much more
  • Provides greater financial flexibility
  • Repayment customized based on your business’s unique needs
  • Funds available right as you need them; apply once then use again as needed thereafter
  • Only pay interest on the part that’s used
  • Local underwriting and administration
  • Knowledgeable loan officers
  • Personal service

You can never go wrong with good, old-fashioned hard work. However, the right equipment not only increases efficiency: It also gives you a competitive advantage over other companies in your industry. Don’t spend your working capital unnecessarily when you can get company equipment financing from NobleBank.

Because we’re a local financial institution, we know what it takes to grow your business and we understand how important quick approvals and attentive service are to your continued growth. Whether you’re seeking capital for new or used company equipment, get a loan from us today to minimize expenses and maximize profit.



Knowledgeable loan officers
Available to companies in different industries
Meet business expenses without cutting into savings or working capital
Competitive rates and flexible payment plans
New and used equipment purchases
Personalized service
Local underwriting and small business administration
Stay ahead of the competition with the latest heavy equipment
Avoid lapses in production


New or used

equipment can be financed

Account Details

Equipment Loans

  • Finance new or used equipment
  • Available to businesses in a range of industries
  • Avoid costly lapses in production
  • Meet needs without cutting into working capital or savings
  • Stay ahead of the competition
  • Competitive rates with accommodating repayment terms
  • Local underwriting and administration
  • Knowledgeable loan officers
  • Personal service

You need the right space to execute your business plans effectively. Whether you’re housing heavy equipment, inventory, or employees, you want a building that accommodates your business operations while representing your brand.

Work with certified development companies to acquire, construct, expand, or renovate your commercial property, taking advantage of our flexible payment programs. Because our bank is based right here in Alabama, we know the challenges business owners like you face. We’re a financial institution who answers when you call. Whether you want to learn more about our microloan program, SBA loan, or 504 loan program, we’ll be happy to talk with you and address your concerns.



Attractive rates for the construction, purchase, or refinance of commercial real estate
Customized repayment terms for borrowers
Long-term, fixed-rate financing for commercial properties
Access to variable rate financing with balloon payments
Local underwriting and administration
Experienced lenders who understand the Alabama real estate market
Client-centered services
Available for investment and owner-occupied real estate assets
Full amortization programs for monthly cash flow


Competitive rates

for purchase, refinance, or construction

Account Details

Commercial Real Estate Loans

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Long-term fixed rate commercial real estate loan options available
  • Variable rate commercial real estate loan options available with balloon payments
  • Available for owner-occupied or investment properties
  • Repayment terms customized to fit your business’s unique needs
  • Full amortization schedules to accommodate monthly cash flow
  • Lending professionals with working knowledge of the local real estate market
  • Local underwriting and administration
  • Personal service

Alabama Small Business Loans

Connecting with the communities we serve has always been our priority at NobleBank & Trust. We help with small business loans in the following locations and beyond:

  • Birmingham
  • Heflin
  • Alexandria
  • Piedmont
  • Anniston
  • Oxford

NobleBank & Trust is concerned with the economic development of Alabama communities. Whether you’re looking for real estate financing or acquiring a small business loan to grow your business, we’re here to help propel you to your financial goals. You’ll work hand-in-hand with our experts to find a suitable loan program and repayment plan. 

Contact us today to get your business moving!

*Notice to Commercial Customers

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notice is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person accepts credit, funds, instruments, or other proceeds from another person in connection with unlawful Internet gambling.