Business Details
27 Years
experience
Your Trusted Partner for Banking Solutions
Capital Bank has been delivering exceptional banking services since 1999, prioritizing a people-centric approach to meet diverse financial needs. As a subsidiary of Capital Bancorp, Inc. (NASDAQ: CBNK) with over $3.2 billion in assets, we operate under the Federal Reserve Bank System and are FDIC-insured. Our commitment to innovation and local market expertise enables us to provide tailored solutions for both personal and business banking. We balance client-focused service with shareholder value, guided by the principle 'Think Big, Act Local.' Our team combines deep financial services experience with entrepreneurial insight to address unique challenges.We emphasize security, transparency, and ethical practices, offering digital tools for convenient banking. Through specialized lending programs like SBA and USDA loans, we support business growth and community development. Our personalized approach extends to mortgage services, treasury management, and investment solutions. We maintain rigorous compliance with regulatory standards while fostering trust through consistent, reliable service delivery. Our long-term success reflects our ability to adapt to evolving customer needs while upholding core banking principles.
Services
Business Loans
SBA Loans
USDA Loans
Mortgage Services
Digital Banking
Treasury Management
Personal Savings
Commercial Real Estate Loans
Details
- Year established: 1999
Highlights and features
- We offer SBA and USDA loan programs with competitive terms for business growth
- Our team provides personalized banking solutions tailored to local market needs
- We combine $3.2 billion in institutional strength with community-focused service
- Our digital banking platform ensures secure, 24/7 access to financial services
- We maintain rigorous compliance with federal banking regulations and standards
Associations and certifications
- FDIC
- Federal Reserve Bank System
- Equal Housing Lender
What people say
Fast loan processing
Knowledgeable staff
Competitive rates
Personalized service
Effective solutions
Services
SBA Loans
Capital Bank offers SBA 7(a) loans with favorable terms for small businesses. These government-backed loans provide competitive interest rates and extended repayment periods. Our experienced team guides clients through the application process, helping businesses access capital for expansion, equipment purchases, or working capital needs while maintaining cash flow.
USDA Loans
Specialized financing for rural businesses through USDA programs. We provide funding for agricultural operations, renewable energy projects, and community development initiatives. Our expertise in USDA B&I loans helps businesses in underserved areas secure capital with reduced down payments and long-term financing options.
Digital Banking
Secure digital platform for managing personal and business accounts. Features include mobile check deposit, bill payment, account transfers, and loan management. Our system supports real-time transaction tracking and integrates with accounting software for business clients, ensuring convenient 24/7 access to financial tools.
Commercial Real Estate Loans
Tailored financing solutions for commercial property acquisition and development. We offer competitive rates for purchasing office spaces, industrial facilities, and retail properties. Our lenders work with businesses to structure deals that optimize cash flow while meeting long-term investment goals through flexible loan terms.
Treasury Management
Comprehensive tools for business cash flow optimization. Services include ACH processing, wire transfers, remote deposit capture, and fraud protection. Our solutions help businesses streamline financial operations, improve liquidity, and enhance payment efficiency through customized banking platforms.
People
Jodi Perry
Mortgage Loan Originator
Experienced mortgage specialist with expertise in VA loans and first-time homebuyer programs. Successfully secured financing for clients with unique circumstances using creative loan combinations and grant programs.
Jerry Weeda
Mortgage Loan Originator
Specializes in non-traditional mortgage solutions, including bridge loans and quick-closing transactions. Known for rescuing deals with innovative financing approaches when other lenders decline applications.
Brian Martucci
Mortgage Loan Originator
Expert in multifamily property financing and unconventional loan programs. Helps clients navigate complex scenarios with specialized down payment options and creative underwriting solutions.
Questions
What loan programs does Capital Bank offer for small businesses?
We specialize in SBA 7(a) loans, USDA Business & Industry loans, and conventional business financing with terms up to 25 years.
Can I apply for a mortgage online?
Yes, our digital mortgage platform allows complete online applications with real-time income verification and document submission.
Are there special programs for first-time homebuyers?
We offer VA loans, VHDA programs, and federal grants that provide low-down-payment options and closing cost assistance.
How does Capital Bank handle commercial real estate financing?
We provide customized CRE loans with competitive rates for property acquisition, development, and refinancing projects across various property types.
What treasury management services are available?
Our business clients access ACH processing, wire transfers, fraud detection, and integrated accounting tools through our online banking platform.
