Scaling Commercial & Small Business Lending for Growth

The commercial banking landscape is evolving rapidly, and companies need partners who can keep up. At Academy Bank, we have reimagined our approach to serve the complete business lifecycle—from startup entrepreneurs to middle-market powerhouses. Let’s take a closer look at how our comprehensive commercial banking services, SBA lending, and treasury management solutions support your business at every stage of growth.

Scalable Business Banking Solutions for Every Phase

Every business is different, but they all need a bank that understands where they are today and where they want to go. Here's how we support companies of all sizes:

1. Small Business Banking

Small businesses are the backbone of our economy, but they often struggle to find banking partners who truly understand their needs.

At Academy Bank, our small business banking solutions form the foundation of our approach. We offer working capital lines of credit to manage seasonal cash flow, business equipment loans that keep your operations competitive, and merchant services that streamline payments. Today’s startups could be tomorrow’s industry leaders, which is why we build relationships designed to scale.

2. SBA Loans

Navigating SBA loan requirements shouldn't be confusing. Our dedicated SBA lending team brings in-house expertise that eliminates guesswork and accelerates timelines. We handle the paperwork complexity so you can focus on what matters most: growing your business. Whether you are launching a new venture, scaling operations, or planning an ownership transition, our high-touch approach ensures you get the flexible lending solutions you need.

3. Corporate Banking

Established businesses deserve more than cookie-cutter solutions. Academy Bank’s corporate banking services provide industry-focused bankers who understand the unique challenges of your market, from seasonal fluctuations to regulatory requirements. Our bankers are also backed by specialists across deposits, lending, and treasury services, giving you access to a complete team of experts—not just a single loan officer.

4. Commercial Real Estate

Commercial real estate remains one of our strongest areas of expertise. We have decades of experience in financing complex development projects, owner-occupied facilities, and income-producing properties. When your project's success depends on the right financing at the right time, our proven track record speaks for itself.

5. Middle Market Banking

As businesses grow, their financial needs become more complex and demanding. Our middle market banking group serves established companies that require advanced solutions beyond standard commercial banking.

We create custom credit facilities tailored to your specific operations, provide capital investment support for major growth initiatives, and offer trusted guidance that helps you make smart business decisions. Ultimately, this is relationship banking at its highest level—where we work alongside you as committed partners in your success.

6. Treasury Management Services

Cash flow management can make or break a business, regardless of size. That’s why our bank treasury management services provide lasting value: real-time visibility into your cash position, fraud protection that safeguards your assets, and expert support that transforms everyday banking tools into smart business advantages.

"Treasury management is where we can truly demonstrate our commitment to the client relationship every day," explains Tarena Terry, Director of Treasury Management. "When we help clients manage cash more effectively, reduce risk, and gain greater insight into their operations, we're becoming an integral part of their business strategy."

How Academy Bank’s Strategic Partnerships Expand Our Reach

Smart banking means knowing when to collaborate. Through our expanded capital markets capabilities, we partner with peer banks to deliver larger, more complex financing solutions that exceed what any single institution could offer. This gives us the power to say yes to bigger opportunities while maintaining our strong risk standards.

Our approach is particularly valuable for fast-growing companies and private equity-backed businesses that need tailored lending frameworks. Instead of sending you elsewhere when a deal gets complex, we bring additional resources to the table. That way, you keep a banking partner who already understands your business while receiving the firepower that your growth requires.

Work With the Best Bank for Business Growth

What sets Academy Bank apart is our optimal size. We are nimble enough to make decisions quickly and big enough to handle complex transactions. This sweet spot allows us to combine local market knowledge with national-level capabilities, which ensures that every client—regardless of size—receives both personal attention and access to everything we offer.

Here’s what that means for your business:

• Fast decisions backed by local expertise and market knowledge
• Comprehensive solutions that grow alongside your business needs
• Personal relationships with access to specialized teams and resources
• Strategic guidance that goes beyond traditional banking services
• Proven experience across industries and business stages

Ready to scale your business? Contact our commercial bankers and commercial lenders to discover how Academy Bank can fuel your next phase of growth.

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