Business Banking

Lending Services

Capable of handling all your lending needs, from small transactions to large, complex deals.

United Bank is the financial partner that growing businesses need. We consistently deliver fast service and a full range of lending programs, building on a tradition of serving the financial needs of local businesses and individuals since 1839. Lending types include:

  • Commercial and Industrial: We assist with working capital needs or to finance major capital expenditures.
  • Commercial Real Estate (CRE): These loans can be used to purchase or refinance an owner-occupied or income producing commercial property, or to expand or remodel an existing facility.
  • Acquisition and Development: Loans for acquiring real estate to be used for residential or commercial development.
  • Government Contracting: We specialize in meeting the dynamic banking needs of companies serving the federal, state and commercial markets.


We deliver a number of lending programs, including:

  • Term Loans
    United has the ability to provide a variety of solutions to meet your financing needs
  • Lines of Credit
    Providing flexibility for short-term working capital needs, and available cash when you need it, our LOCs help optimize cash flow
  • Real Estate
    Providing financing for the purchase, refinance, construction, expansion, or remodel of real estate properties
  • Credit Cards
    Providing convenient credit for your everyday business spending needs to better manage cash flow


Small Business
Small Business

Providing loans and deposits to small businesses within our footprint, including working capital lines of credit, equipment financing, business credit cards, checking accounts, and more.


Our Non-Profit and Community Development professionals are ready to work with you to find solutions designed to meet the unique needs of your industry.

Auto-dealer Services
Auto-dealer Services

Floor plan financing provides dealers with a revolving line of credit they can use to successfully manage their inventory, while improving cash flow.  In addition, United simplifies the complexities of indirect lending by providing fast, local decision-making for point of sale deals.

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Welcome Carolina Trust Customers

The first time you sign-in, enter your User ID, which is the same as your Carolina Trust Bank User ID, only in lower case. Your temporary password is the last 6 digits of your Social Security Number Number (or last 6 of Tax ID for small business customers). You will then be prompted to change your temporary password. Click here for detailed information.

EXISTING United Bank Customers please follow your normal sign-in procedures.