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“Our experienced Customer Service Representatives are available to spend quality time with you to be sure you select the options that best meet your financial needs. We’re here to help! Business Checking Accounts Join us! CAREERS Like us! FACEBOOK Phone Number: 478-452-4531 Routing Number: 061101786 Find us in the Apple Store Find us on Google Play FTC: Choosing a Credit Counselor FDIC Insurance Coverage Privacy Policy Fair Lending Statement Terms of Use FDIC Consumer Alerts For Your Safety © Exchange Bank. Exchange Bank NMLSR ID#401817 Equal Housing Lender Member FDIC Back to the top Read more on our accessibility statement { "@context": "https://schema.org", "@type": "LocalBusiness", "name": "Exchange Bank", "url": "https://www.exch.bank", "logo": "https://www.exch.bank", "description": "Your trusted mortgage lender in Georgia", "telephone": "+1-478-452-4531", "openingHours": "Mo-Fr 09:00-17:00", "address": [ { "@type": "PostalAddress", "streetAddress": "250 West Hancock Street", "addressLocality": "Milledgeville", "addressRegion": "GA", "postalCode": "31061", "addressCountry": "United States" }, { "@type": "PostalAddress", "streetAddress": " 4306 Gray Highway", "addressLocality": "Gray", "addressRegion": "GA", "postalCode": "31032", "addressCountry": "United States" }, { "@type": "PostalAddress", "streetAddress": " 6081 Lake Oconee Parkway", "addressLocality": "Lake Oconee", "addressRegion": "GA", "postalCode": "31064", "addressCountry": "United States" } ], "geo": { "@type": "GeoCoordinates", "latitude": 33.0801, "longitude": -83.2321 } }”

“At Exchange Bank, we know that the right location can make all the difference. Whether you’re purchasing, building, or refinancing commercial property, our team is here to help you secure financing that supports your goals today and into the future. We take the time to understand your business, your property, and your vision so we can structure a loan that works for you.”

“What is a commercial real estate loan? A commercial real estate loan helps finance property used for business purposes, such as office buildings, retail spaces, warehouses, or multi-use developments. What types of properties can be financed? We finance a variety of commercial properties, including owner-occupied buildings, investment properties, retail spaces, office buildings, and more. If you have a specific project in mind, our lenders can help determine eligibility. Can I use a commercial real estate loan to build a property? Yes. We offer construction and development loans to help you build from the ground up, as well as financing for expansions or renovations of existing properties. What is the difference between owner-occupied and investment property loans? Owner-occupied loans are for properties your business will primarily use. Investment property loans are for properties you plan to lease or hold as an income-producing asset. How much can I borrow? Loan amounts vary based on the property, your financial profile, and your business goals. Our lenders will work with you to structure financing that fits your needs. What is the typical term for a commercial real estate loan? Terms can vary, but many commercial real estate loans are structured with fixed or adjustable rates and amortization schedules that align with your business plans. How long does the process take? Because decisions are made locally, we’re able to move efficiently. Timing can vary depending on the complexity of the project, but our team will guide you through each step. Do I need to have an existing relationship with Exchange Bank? No, but we’d love the opportunity to start one. Our team is here to make the process smooth whether you’re a current customer or new to Exchange Bank. Do you offer SBA loans for commercial real estate? Yes. Exchange Bank offers SBA lending options, including loans that can be used for owner-occupied commercial real estate. SBA loans can be a great solution for businesses looking for longer terms or lower down payment options. Our lenders will walk you through the process and help determine if an SBA loan is the right fit for your project.”

“With local decision-making and a team that understands our markets, we’re able to move quickly and provide guidance you can trust. We’re not just financing properties—we’re investing in the businesses and communities we serve.”

“From small offices to large developments, we offer flexible financing solutions designed to meet the needs of local businesses and investors. Our commercial real estate loan options include: Owner-occupied property financing Investment property loans Construction and development loans Refinancing existing commercial properties Expansion or renovation financing Not sure which option fits your project? Our lenders will walk you through it and help you find the right path forward.”

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“We’re here for you Expanding, refinancing or buying new property is a big deal, and you need a partner that’s with you from the beginning to the end. Discuss your plans with us and we’ll work to create a personalized solution. First Bank Benefits: Flexible terms and rates Online payments DOWNLOAD APPLICATION Contact Us Meet Our Lenders IRAs Boost your retirement savings. Learn more. Scroll top PERSONAL BUSINESS WEALTH MANAGEMENT SITEMAP RESOURCES CONTACT US LOCATIONS AND HOURS SEND ENCRYPTED EMAIL TO FIRST BANK ABOUT US INVESTOR RELATIONS POLICIES”

“Construction Loan”

“A signed and totaled Construction Loan Draw Request Form matching amount requested.”

“Bridge/Temporary Loans”

“Construction Loans”

“Custom Home Construction”

“New Construction Loans”

“New Construction Loans–80%”

“West Des Moines • Huxley • Cambridge”

“Business Commercial Real Estate”

“A First Federal Business Line of Credit provides your business access to working capital to help run your business.”

“Our commercial lenders will assist you in finding the perfect business loan, from construction to real estate. Please contact us to learn more about our commercial lending solutions and rates. Contact the Lending Team Customer Service Toll Free 888-317-8333 Email Customer Service Telephone Banking 888-472-6171 Routing Number: 323270313 NMLS #695282”

“Financing for your business when and how you need it.”

“First Federal knows reliable, convenient access to financing can make or break a business. That is why we offer competitive business loans ranging from small business startup costs and equipment financing, to converting accounts receivables into cash and revolving lines that replenish as you pay. Let us be a part of your success story.”

“Ideal for businesses needing easy access to cash for working capital, inventory, accounts receivable, or short-term cash. Term: Varies Interest only principal due at maturity or customized to fit your business Collateral: Business assets”

“Finance new or used equipment, capital expansion, large purchases, or other long-term financing needs. Term: Up to 10 years Principal and interest based on amortization Collateral: Business assets Apply Now”

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“Interest only during construction before converting to an amortized perm loan”

“Purchase or refinance a plot of land. Term: Varies depending on the proposed transaction Could be interest only or amortized payments Collateral: Residential or commercial land”