Working Capital Line of Credit

Small Town Bank can provide business owners with open-ended lines of credit for continual business needs such as seasonal working capital, inventory management, or just daily operations. With a Small Town Bank Line of Credit, you are pre authorized to borrow up to a specified amount. We offer several options to secure these loans with and can help you figure out your credit options when trying to decide.

We offer:

  • Flexible revolving credit lines starting at $10,000
  • Fast, easy access to funds whenever you need them
  • Competitive rates with multiple options both fixed and variable
  • Multiple secured and unsecured collateral options available

Please see a Small Town Bank Loan Officer to apply or for additional information.

*All Loans subject to Credit Approval

Small Town Bank Loan Officers

Wedowee Office
(256) 357-4936
Ranburne Office
(256) 568-2265
Roanoke Office
(334) 863-4151
Carrollton Office
(770) 834-5111
Alan Hubbard
NMLS # 609361
Ashley Rayfield
NMLS # 1691901
Bill Landers
NMLS # 609365
Patty Shoemake
NMLS # 1508019
Donny Slick
NMLS # 609362
Oxford LPO
(256) 831-4015
Heflin Office
(256) 463-2790
Galen Hobbs
NMLS # 849995
Clay Kimbrell
NMLS # 1461628
Jonathan Mosley
NMLS # 543593
Debra Nelson
NMLS # 1089177

David Sears
NMLS # 539108

Bank Information 

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Contact Us
Wedowee - Main Branch
Ranburne Branch
Roanoke Branch
Heflin Branch
Oxford - Loan Production
Carrollton, GA - Branch 
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Monday 8:30 am - 4:30 pm
Tuesday 8:30 am - 4:30 pm
Wednesday 8:30 am - 1:00 pm
Thursday 8:30 am - 4:30 pm
Friday 8:30 am - 5:00 pm
Saturday (Lobby Closed) 
Monday 8:00 am - 4:30 pm
Tuesday 8:00 am - 4:30 pm
Wednesday 8:00 am - 1:00 pm
Thursday 8:00 am - 4:30 pm
Friday 8:00 am - 5:00 pm
Saturday 8:00 am - 12:00 pm
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