BCT is a SBA Preferred Lender (PLP)

We make it an easy process with faster approval.

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Testimonials-SBA-Orrs-Farm_645x590BCT is our family's bank.  From SBA loan to our operations accounts, they're approachable, easy to reach, easy to talk to, ready to help - and always offer great advice.

Katy Orr-Dove & Don Dove


Small Business Administration (SBA) LendingSBA-Lender-symbol

Need new equipment or trucks for your small business?  What about commercial real estate?  Or maybe a line of credit to help expand your inventory?  We're here to help!

As a SBA Preferred Lender, BCT makes the loan application and approval process easy and fast.  BCT is authorized to directly approve loan applications instead of processing them through the SBA for approval. This added authority benefits small business owners with a more stream-lined application, cost savings and quicker approval process.

We provide SBA loans to small businesses in the Eastern Panhandle of West Virginia, Northern Virginia, and Frederick and Washington Counties of Maryland. 

When it’s time to go to the next level for your small business, a SBA loan from BCT may be the perfect solution.  

Loans from an SBA program can offer:

  • Longer repayment terms, lower down payments, inclusion of closing costs all of which can make financing more accessible.
  • Our SBA Lending team has the experience and personal touch to help simplify the process.  They can also arrange to open other convenient business accounts and services for a seamless and hassle-free banking experience. 

What are your options?

There are several different types of SBA lending programs.  The primary difference between the two main programs are:

SBA 7(a) 
The 7(a) program is SBA’s most common loan program and has the most flexibility in the use of proceeds.  This program can be used for short and long-term working capital, refinance of business debt and the purchase of inventory, furniture, fixtures and equipment.  The 7(a) program includes both term loans and revolving lines of credit to meet your needs.

SBA 504
The 504 program is designed to finance the purchase of existing buildings and land, build new facilities and purchase long-term machinery and equipment.  Down payments can be as low as 10% but can go up to 20% if the business is a startup or the property is considered “special-use.”  This program offers low interest rates for 10 to 25 years on the SBA portion and conventional interest rates on the Lender’s portion.

Get Started Today!

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NOTE:  Credit is subject to approval.  Approved to offer SBA loan products under SBA’s Preferred Lender program.


Meet Our Team


Michelle Douglas / SVP, SBA Program Manager

681-252-4233 | Email 

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Teri Tosti / SVP, Commercial Relationship Manager

540-361-2612 | Email 



Erik Seppala / VP, SBA Lending

703-625-2057 ‚Äč | Email 

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