ALL LOCATIONS CLOSED: Due to inclement weather, all Truliant locations will be closed on Saturday, Sept. 15, 2018. Access your accounts and more with Truliant’s Tru2Go ATMs, and online and mobile banking tools.
System Maintenance:
Due to scheduled maintenance on Sunday, September 9, 2018 between 6:00am and 2:00pm ET, Truliant's Easy Deposit check deposit feature will be intermittently unavailable.  If you encounter an error, please logout and login again.  Extended maintenance for Online Banking, Tru2Go Mobile and Tablet Applications on Sunday, September 9,2018 beginning at 12:00am - 5:00am ET.
business resources

Business Resources

  • Overview
  • The 5 C's of Credit
  • Truliant Business Service tools help you analyze your business's overall finances and start the process of securing a loan to help your business expand. Let us work with you to grow your business, strengthen your financial position, and keep you up-to-date with a wide range of the latest business banking products and services.

    For more information and/or to set up a meeting, contact a member of our Business Services Team or visit one of our many Member Financial Centers throughout North Carolina, South Carolina and Virginia.

    Business Loan Application

    • Download and complete this form to apply for a Truliant Business Loan. Please deliver to your closest Member Financial Center

    Personal Financial Statement

    • Download and complete this form as part of your loan application process

    Business Debt Schedule

    • Download and complete this form as part of your loan application process

    Business Membership

    • Review information required to establish time saving products and services

    Beneficial Ownership Form

    • Download and complete this form as part of your loan application process
  • Planning to apply for a small business loan? At Truliant, we give every credit request the respect it deserves. All requests are put through the "Five Cs of Credit" test and are given a thorough review by our staff.

    • Capacity
      Your business plan and/or prior year(s) financials must show that you can produce enough cash to repay the loan. This is the most critical of the five Cs.
    • Capital
      How much equity do you have? First you'll need to be prepared to contribute some of your own money toward the business to ensure its success. We can only lend you a portion of your start-up or acquisition costs, not 100%. Funds for these costs can come from deposits, an equity loan against your personal residence, or other sources.
    • Collateral
      A lender looks at collateral as an additional credit enhancement. It won't necessarily make the monthly payments, but it could, if liquidated, help repay the loan. Again, regulations limit and dictate how much collateral we require. The loan request generally cannot exceed 80% of the collateral value. The 80% requirement is usually associated with liens against real estate. Other types of collateral such as accounts receivable and inventory may be at a lower percentage rate or lower maximum Loan-to-Value.
    • Conditions
      Be prepared to prove that the conditions are right for your type of business. Make sure there is a market for your business, based on the conditions of the local, regional and national economy, the type of industry, the competitiveness of the business and your experience in the industry and managing a business.
    • Character
      This is the general impression you make on the lender. Your educational background and business experience will be reviewed, along with your credit score. It's important to manage your personal credit carefully. Statistics show that the way you handle your personal credit is a strong indicator of how you'll manage your small business credit. 


    Truliant Business Services wants to help grow your business, strengthen your overall financial position, and keep you up-to-date with a wide range of the latest business banking products and services. Contact a member of our Business Services Team to get started, or visit one of our many Member Financial Centers throughout North Carolina, South Carolina and Virginia.