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There are hundreds of reasons to need a loan. But there’s only one place you need to go. Flatwater Bank has a loan to cover just about any situation. And our rates are always very competitive.

At Flatwater Bank, we match specific borrowing needs to the type of loan that is best for you. We take the time to get to know you…whatever the need, whatever the reason.

Flatwater Bank offers a complete line of loan products to meet your needs. They include:

Personal Loans

With an installment loan from Flatwater Bank, you can finance major purchases, consolidate bills, take a dream vacation, remodel your home, cover unexpected expenses, and much more! Our financing plans offer:

  • Affordable monthly fixed payments
  • Competitive rates and excellent terms
  • Local decisions and one of the quickest no-hassle approvals around
  • Payment Protection available to protect payments in the event of death or disability
  • Personal, professional service

Click here for a printable credit application

Business Loans

Almost all businesses require some sort of financing at one time or another and for a variety of reasons. At Flatwater Bank, we offer loans for every situation. Beyond competitive rates and terms, we offer a loan officer assigned to understanding your business and providing the exceptional service your company deserves.

Our business loans include:

  • Lines of Credit
    To provide you with short-term working capital, Flatwater Bank can structure flexible revolving lines of credit. Uses include meeting seasonal sales fluctuations, taking advantage of discounts and covering shortfalls in cash flow. Terms and conditions will be customized for your specific business needs.
  • Term Loans
    If you are in need of longer-term capital, a term loan may be structured to match your cash flow with the life of the asset. Uses include acquiring new fixed assets such as equipment, purchasing a new business or funding permanent working capital as a result of increased sales.
  • Real Estate and Construction Loans
    If you are looking to expand, refinance or acquire new property, Flatwater Bank offers both interim construction loans and permanent real estate financing.


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