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“Tell us about your business Business Name * Please select the loan type you're inquiring about (select all that apply). * Acquisition and Development Construction Financing Non Owner Occupied Owner Occupied Refinance Please select a region near you * Where is your business located? Please select a region closest to you. Atlanta Metro (GA) North Georgia (GA) Savannah Metro (GA) Beaufort County (SC) Other In what city and state is your business located? * Message Please provide any additional information (optional). Full Name * Email * Phone * Numeric values only. Do not include symbols. UTM”

“Make it super easy and hassle-free to find the perfect loan for your construction project. Our team of experts take the stress out of the equation by guiding homebuilders and developers toward the loan option that fits your project needs and financial goals.”

“Our team is all about custom solutions for various types of Commercial Real Estate. Whether you're looking for office spaces, retail spots, flexible workspaces, industrial facilities, multi-family properties, or cool hospitality venues, we’ll help you find the perfect loan for your perfect space.”

“The space to help your business thrive. Find the right Commercial Real Estate Loan for your commercial investment property. Find a Lender Contact Us Home Commercial Commercial Lending Commercial Real Estate Commercial Property Financing.”

“We have the perfect financing solutions tailored specifically for the commercial real estate aspect of your project. Our comprehensive offerings encompass flexible loan options, expert guidance on land acquisition, and strategic financial planning to guarantee the success of your venture.”

“At Cogent Bank we can help you grow your business with financing solutions for most any business purpose. Contact Us Now”

“Commercial real estate purchase, development or improvement”

“Construction, refinance, or improvements”

“Construction-to-Permanent Mortgages”

“What is a commercial real estate loan? A commercial real estate (CRE) loan provides financing to acquire, construct, renovate, refinance, or expand business-owned real estate properties. These loans can be used for office buildings, retail centers, industrial facilities, medical offices, and other commercial properties. What types of commercial properties can Cogent Bank finance? Cogent Bank finances a wide range of commercial property types, including office buildings, retail spaces, industrial properties, mixed-use developments, healthcare facilities, and owner-occupied business properties. Can I use a commercial real estate loan to purchase a new business location? Yes. Commercial real estate loans can be used to purchase a new property for your business, helping you establish a permanent location and build equity rather than continuing to lease space. Can commercial real estate financing be used for renovations or property improvements? Yes. Commercial real estate financing may be used to renovate, modernize, expand, or improve an existing commercial property, allowing businesses to better meet operational needs and support future growth. Does Cogent Bank offer financing for commercial construction projects? Yes. Commercial real estate financing can support the construction of new commercial facilities as well as major expansion projects for existing properties. What are the benefits of working with a community-focused commercial lender? A community bank like Cogent Bank provides local decision-making, personalized service, and relationship-based lending. This often results in more responsive communication and financing solutions tailored to your business objectives. How do I know if a commercial real estate loan is right for my business? A commercial real estate loan may be a good fit if your business is looking to purchase property, refinance an existing mortgage, expand operations, or invest in improvements that support long-term growth. A Cogent Bank relationship manager can help evaluate your needs and financing options. Can I refinance an existing commercial property loan with Cogent Bank? Yes. Businesses may use commercial real estate financing to refinance an existing property loan, potentially improving cash flow, accessing equity, or restructuring loan terms. Does Cogent Bank offer other business lending solutions in addition to commercial real estate loans? Yes. In addition to commercial real estate financing, Cogent Bank offers SBA lending , USDA lending , business lines of credit , and business term loans to support a variety of business financing needs. What is the difference between a commercial real estate loan and a business line of credit? A commercial real estate loan is typically used for purchasing, constructing, or improving property, while a business line of credit provides flexible access to working capital for ongoing operational expenses and short-term funding needs. Can small businesses qualify for commercial real e”

“Lending Commercial Real Estate”

“A Commercial Real Estate (CRE) loan will provide the funds needed to acquire, renovate, build, or expand your commercial property. We offer a wide variety of CRE loans across a diversity platform Our commercial advisors are here to help you find a loan with the repayment plan and terms that best align with your business goals and strategy. Contact Us”

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“Our Bank Routing and Transit Number is: 063114661 You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank. If you "Proceed", the link will open in a new window. Cancel Proceed You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE. If you "Proceed", the link will open in a new window. Cancel Proceed Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use. If you "Proceed", the link will open in a new window. Cancel Proceed”

“At Collins State Bank we are here to help you with all of your construction loan needs. Our experienced loan staff is able to provide customers with personalized service throughout the entire process regardless of your lending needs. If you are planning on building the home of your dreams, we are here to help. A Construction Loan allows you the flexibility to pay interest only on the advanced funds for your project. Once your construction is complete, we make it easy to convert your loan into long term financing. This allows you to spend your time picking out paint colors and fixtures so you can build your dream from the ground up. Click to Apply Collins State Bank NMLS #405041 Loans > Personal Loans > Mortgage Loans > Construction Loans > Business Loans > Agriculture Loans > Student Loans > Credit Cards > Meet Our Lenders > Apply Online Contact Us Reach out to us, we'd love to hear from you Connect with us. Quick Links Calculators Current Rates Online Loan Application Check Reorder ATM Access Company Contact Us Locations & Hours Holiday Schedule Home Disclosures Privacy Policy Identity Theft/Fraud Fee Schedule Site Map Customer Service Center Routing Number: 075908276 Lost/Stolen Debit Card After Hours: 1-800-500-1044 Telephone Banking: 1-866-953-4433 © Copyright 2026 Collins State Bank. All Rights Reserved. Back to Top ×”

“Unlock your dream home with Colony Bank’s mortgage solutions, offering competitive rates, flexible terms, and personalized service to make homeownership a reality. Explore Mortgage Solutions Previous slide Next slide Financial products you need. The commitment you deserve. Checking Checking Loans Loans Mortgage Mortgage Insurance Insurance Credit Cards Credit Cards Financial Advisors Financial Advisors Opening an account is easy. There’s a better way to bank, so we built it. Our checking accounts blend benefits with personalized service. Whether you want seamless digital access, competitive interest rates or a personalized customer experience, our accounts are crafted to meet and exceed your needs. Apply Now Previous slide Next slide Enjoy 24/7 account access at your fingertips. Free mobile banking allows you to manage your account with ease through your smartphone or mobile device. Check your balance, pay bills, review account activity, and more — any time of the day or night. Download a free app to make managing your accounts even easier. Now banking is as close as your mobile phone. Buying a home should be an easy process. Our expert team of home lending professionals will be with you the entire way. From the initial application to the final closing, we provide personalized support, ensuring you have mortgage options tailored to your financial needs. See Mortgage Solutions Get the right insurance for your peace of mind. Get the protection you need with insurance products, designed to keep you covered no matter what life throws your way. Whether it’s your health, home, or car, we’ve got plans that fit your needs. Plus, with great rates and exceptional customer service, you’ll have the support you can count on. See Insurance Products We make progress, not excuses. Get started today. Switch to the bank that benefits you. Find a Banking Center We’re here to help. Colony Bank offers a wide array of services to support you, from personal banking solutions to specialized lending options. Whatever your financial needs, we will help you every step of the way. Chat With Us Locations & Hours Education Center Colony News Career Opportunities About Us GA Heart Every year, we donate $500,000 through Georgia Heart Hospital program. Learn more about GA Heart. GA Heart Empowering Education Offering scholarships to eligible students who are seeking higher education in Georgia. Empowering Education goBeyondProfit Award Colony Bank was selected as a goBeyondProfit Champion in 2023 for our commitment to serving local communities. goBeyondProfit Award Colony Leadership The goal of our program is to inspire students to realize their potential and cultivate their leadership skills. Colony Leadership Teach Children to Save Our goal is to equip children with the tools to save money, manage budgets, pay bills, buy homes, and more. Teach Children to Save Previous slide Next slide Banking Personal Banking Business Banking Personal ”

“Commercial Real Estate”

“Construction Loans”

“Purchasing commercial buildings Buying or refinancing business property Farmland and pasture ground purchases Agricultural building improvements Shop, warehouse, or storage facility construction Office, retail, or mixed-use property financing Facility expansion or renovation Land acquisition Farm and ranch real estate Refinancing existing real estate debt Long-term business growth projects Whether your project is commercial, agricultural, or a combination of both, CBT can help you move forward with confidence.”

“Office buildings Retail space Warehouses Shops and service buildings Investment or income-producing property Mixed-use buildings Business expansions Property improvements Our team will work with you to understand the purpose of the property, how it supports your business, and how the loan fits into your overall financial plan. Apply Now! Business Lending”

“Contact one of our experienced lenders to help you find the loan product that’s right for you. Contact a Business Lender Downtown 2501 13th St Columbus, NE 68601 Phone 402-564-1234 Toll Free 800-343-2282 Fax 402-564-5458 Highway 118 23rd St, Suite 100 Columbus, NE 68601 Phone 402-564-1234 Toll Free 800-343-2282 Fax 402-562-6884”

“The right property can create new opportunities for your business or agricultural operation. Whether you are purchasing commercial property, expanding your facilities, buying farmland, improving buildings, or refinancing existing real estate, Columbus Bank and Trust Company is here to help. At CBT, we provide business and agribusiness real estate financing backed by local decision-making, practical guidance, and personal service from a team that understands our community. CBT is proud to be Customer Focused, Community Minded and LOCALLY Owned.”

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“Real estate is often one of the largest investments a business or agricultural operation will make. Our lending team takes the time to understand your plans, cash flow, collateral, repayment ability, and long-term goals before helping structure a loan that fits your needs.”

“Shop, warehouse, or storage facility construction”