Business Banking

Every small business owner needs time savings, simplicity and real value. Which is why you'll find the core business products business owners require and utilize most often in the business checking packages we have designed particularly for business owners.

For products and services for larger businesses or corporations, click here.

Business Essentials Checking

For businesses that process fewer than 200 items per month, Business Essentials Checking is a smart tool to manage your spending with a low opening deposit of just $50.

• No monthly service charge
• Free CheckCard
• Free first order of Value Pack checks (or $50 off another check selection)
• Free Online Banking and Bill Pay
• Free MarketWise personal checking account for business owner(s)
• Credit cards with no annual fee
• Discounts on business and personal term loans not to exceed 60 months, safe deposit boxes, and more!

Business Checking Plus

For businesses that process fewer than 500 items per month, Business Checking Plus is an economical choice that also offers valuable cash management tools at a discounted rate.

• All the account features of Business Essentials Checking
• Customizable package of 3-4 cash management services at a discounted price
• $0 monthly service charge with a $10,000 minimum daily collected balance; or $15 with a lower balance

Business Interest Checking

For sole proprietorships and non-profit organizations, Business Interest Checking lets you earn interest on your balance—so your money grows right along with your business.

• $50 minimum deposit
• Earn interest on balances of $1,000 or more
• $0 monthly service charge with a $1,500 minimum daily collected balance; or $12 with a lower balance

Interest On Lawyers' Trust Accounts Programs (IOLTA)

Most states require attorneys to have an IOLTA account in their name. Cadence Bank has consulted with State Bar Associations to design a product that is easy to use for attorneys while providing maximum funding for state associations.

Benefits and Features:

• Earns very competitive rate of interest with minimum balance of $1,000
• Free with no service charge or transaction charges.
• Can be opened with any amount
• Interest on funds is forwarded directly to the proper state legal foundation in your name, simplifying reconciliation of this account

Business Savings

This savings account lets you start small and grow funds over time. You have daily access as well as a way to keep funds separated from your operating checking account while earning interest.

Business Market Investment Savings

A flexible account that earns market rates that are competitive to both short term CDs as well as Money Market Funds. Plus, enjoy easy access to your money and a safe return on your investment. Put this account to work for you today!

Business Investment Account

Our premier savings account for businesses offers the perfect blend of convenience, security, and liquidity. The rate of interest is tiered so the higher your balance, the more interest you earn.

Business Money Market Account

Earn money market rates while maintaining daily access to your funds. Our Money Market account can help you meet short-term savings requirements for amounts as low as $1,000.

Business Certificates of Deposit

Cadence Business Certificates of Deposit allow your company to make maximum use of excess funds with a guaranteed rate of return and the confidence and security of FDIC Insurance.

Loans

Business Term Loans
Term loans may be used to finance a change in ownership, a new business acquisition or other long-term needs of a company.

Equipment Loans
Financing for all types of equipment needed for your business.

Equipment Leasing
Lease arrangements for equipment and other capital expenditures can help preserve the borrowing capacity of your company and improve the company's balance sheet.

Commercial Real Estate Loans
We provide loans for the acquisition of new commercial property and provide financing for new construction or additions.

Business Money Lines of Credit
A valuable resource for short-term working capital needs, seasonal inventory increases, special purchases or discount opportunities and unexpected expenses. It's easily accessed by check, telephone, Internet or in person.

Online Banking

As a small business owner we know your time is limited so we offer the services and tools you need to bank when and where it is convenient for you.

Click here to see our online banking services.

A Business Credit Card is ideal for keeping a separate account for travel or to provide a secondary line of credit for business purchases. Plus, you can earn rewards on the entire company's spending that can be used for travel, office equipment or even cash back. Click here to select the perfect card for your business.

Merchant Services
Accepting credit cards for purchases can increase the sales of your company and provide convenience to your customers. Cadence Bank partners with TransFirst to offer our business customers the best in credit card processing. To learn more, click here or contact your Cadence business banker.