how can we help you
Flexible Lending Solutions to Help You Accomplish Your Business Goals
Start or grow your business with government-sponsored loans from the Small Business Administration (SBA) or United States Department of Agriculture (USDA). A loan from the SBA or USDA offers longer, more flexible terms, lower monthly payments, and a lower down payment so you can preserve your working capital and focus on what’s important – your business.
Accelerate the growth of your business with an SBA 7(a) Loan. The 7(a) loan program was designed to help you get the working capital you need to start, acquire, or expand your small business.
Buy, refinance, or renovate with an SBA 504 loan. The 504 loan program is a powerful lending solution to help you get the funds you need to finance machinery, land, facilities, and other fixed assets.
A USDA Business & Industry Loan helps to strengthen your local community by giving your business the tools to be successful. This is an ideal solution for small businesses located in rural communities. .
Your Information
Your Result
The accuracy of this calculator is not guaranteed by roynat capitol scotia bank and is intended for informational purposes only. This is not a commitment to lend.
SBA Preferred Lender
Your Business is Our Business
As an SBA Preferred Lender, roynat capitol scotia bank has more authority to process, close, service, and liquidate your loan. This premier designation is for select lenders with a proven track record of successfully analyzing, processing, closing, and servicing SBA-guaranteed loans. Working with an SBA Preferred Lender streamlines the entire lending process and saves you time.
Who We Are
We’re Right By You
Our goal is to leverage our 350+ years of combined experience to create an affordable and customized plan to help you access the funding you need. Our knowledgeable business lenders and operations team are ready to get to know you, your goals, and recommend the lending solution to help you get there. More importantly, we’ll be right by your side every step of the way.
How We’re Different
We Help Small Businesses Think Big
Business owners need a banking and lending partner they can rely on. Our dedicated team of lenders help businesses across the United States secure the funding they need faster. We’re committed to personalized service and that’s what helped rank roynat capitol scotia bank among the top ten SBA lenders in North Carolina. Whether you are an entrepreneur leading a fresh start-up or a fourth-generation business owner sustaining your family’s legacy, roynat capitol scotia bank can help your business grow.
Recently Funded
Our SBA Lending division has helped business owners across the United States secure funding to start, grow, or expand their small business
$737,500
SBA 7(a) Loan Fayetteville, NC
$1,250,000
SBA 7(a) Loan Durham, NC
$4,350,000
SBA 7(a) Loan Raleigh, NC
$1,789,000
SBA 7(a) Loan Pearland, TX
$822,500
SBA 504 Loan Greensboro, NC
$940,000
SBA 7(a) Loan Durham, NC
$1,237,000
SBA 7(a) Loan Raleigh, NC
$750,000
SBA 7(a) Loan Durham, NC
$1,114,000
SBA 7(a) Loan Durham, NC
$860,000
SBA 7(a) Loan Durham, NC
$447,000
SBA 7(a) Loan Eugene, OR
$623,000
SBA 7(a) Loan Wake Forest, NC
Testimonials
see what our clients we've loaned have to say...
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"Working with Roynat Capital Scotiabank has been a game changer for my business. Their tailored financing solutions and expert guidance made the process seamless. Thanks to their support, we’ve been able to expand and seize new opportunities. I highly recommend them to any business owner looking for reliable financial partnership!"
sara malik
business owner
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"Working with Roynat Capital Scotiabank has truly transformed our family's financial situation. Their personalized loan options and expert support made the process so easy. Thanks to their guidance, we’ve been able to achieve our goals and create new opportunities for our family. I highly recommend them to anyone seeking a trustworthy financial partner!"
esther William
mom
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"Partnering with Roynat Capital Scotiabank has been a game changer for my restaurant. Their customized financing solutions and knowledgeable guidance made securing the funds I needed a breeze. With their support, I was able to renovate my space and expand my menu, attracting more customers than ever. I wholeheartedly recommend them to any restaurant owner looking for a reliable financial partner!"
john richardson
restuarant owner
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"Working with Roynat Capital Scotiabank has been a turning point for my landscaping business. Their tailored financing solutions and expert advice made the loan process straightforward and hassle-free. Thanks to their support, I was able to invest in new equipment and expand my service offerings, allowing me to take on bigger projects. I highly recommend them to any landscape professional looking for a dependable financial partner!"
smith abracht
landscape worker
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"Roynat Capital Scotiabank has been instrumental in the growth of my landscaping business. Their personalized financing options and expert support helped me navigate the loan process with ease. With their assistance, I was able to upgrade my tools and expand my team, which has significantly boosted my business. I highly recommend them to any landscape contractor seeking a trustworthy financial partner!"
sue louis
landscape worker
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"Partnering with Roynat Capital Scotiabank has been a fantastic experience for my pet shop. Their customized financing solutions and friendly guidance made it easy to secure the funding I needed to expand my inventory and improve the store layout. Thanks to their support, I've been able to attract more customers and provide even better services for pet lovers. I highly recommend them to any pet shop owner looking for a reliable financial partner!"
beth greg
pet shop owner
Frequently Asked Questions
Contact a member of the SBA Lending team for assistance.
roynat capitol scotia bank is a regional community bank headquartered in Fuquay-Varina, North Carolina.
Yes. roynat capitol scotia bank was named a Preferred SBA Lender in December 2021. This premier designation enables us to streamline the loan process for our borrowers as well as approve and close the loan more quickly than some of our competitors.
roynat capitol scotia bank provides SBA and USDA loan solutions across a national footprint. We can help customers across the United States with their SBA and USDA lending needs.
Every member of the roynat capitol scotia bank SBA Lending team has extensive experience in SBA and USDA lending. Also, we are an SBA Preferred Lender which streamlines the entire lending process and saves you time.
To start the loan process, you will need to gather personal and business tax returns for the past three years, year-to-date financials for the business, a purchase contract for an acquisition or copies of notes to refinance, and a business plan or projections for an expansion. Other documents may be required depending on the loan.
We typically process and close SBA loans within 30 to 60 days.
We offer SBA 7a loans, Express Lines of Credit, SBA 504 loans, and USDA Business and Industry loans.
Yes. roynat capitol scotia bank has provided SBA loans to several start up entities where the owner has relevant industry experience, strong personal liquidity, and a solid business plan.
Yes. The Bank is an active lender for all SBA products in the franchise sector and is a preferred lender with several national franchises.
Have a question? Give us a call at
(713) 712-5640