Lenders
Georgia Banking Company
Georgia Banking Company (GBC) is an Atlanta bank whose Commercial Real Estate Group banks real estate developers and investors in the Atlanta market. The group primarily provides acquisition and development loans secured by commercial real estate, covering ground-up development, value-add and stabilized projects, and also handles purchases of owner-occupied buildings, refinances of existing property and site development.
Credit decisions are made locally, which the bank presents as the reason it can turn CRE requests around quickly. Targeted project types are industrial, multifamily, office, retail, self-storage, senior housing, student housing and hospitality. Alongside CRE, the commercial side offers construction loans, commercial and industrial lending, GBC Funding, and payments and technology banking.
Business customers also get treasury management, organised as Pay, Collect, Manage and Protect: ACH origination, online wire origination, bill pay, direct deposit and account reconciliation; lockbox, cash vault, remote deposit capture and mobile deposit; Business Direct online banking and mobile, line of credit sweep, zero balance accounts and real-time alerts; and check and payee name positive pay, out-of-band authentication and online stop payments. Deposit products run from business checking and money market accounts to Interest on Lawyer Trust Accounts, plus personal checking, savings, CDs, IRAs, private banking and mortgage lending.
No loan minimums, rates, recourse terms, cash-out policies or fee schedules are published. The site's call to action is to book time with a banker. GBC's routing number is 061019975 and its NMLS ID is 418473; it is an Equal Housing Lender and a member of the FDIC.
Best for
Atlanta-area developers and investors who want a bank relationship covering acquisition, development, refinance and construction lending plus treasury services, with credit decisions made locally. Terms are not published and come from a banker.
What they do
- Commercial real estate acquisition and development loans
- Ground-up construction loans
- Value-add and stabilized property loans
- Commercial property refinancing
- Commercial and industrial lending
- Treasury management (ACH, wires, lockbox, remote deposit)
- Positive pay and payments fraud protection
- Business checking, savings and money market accounts
- Interest on Lawyer Trust Accounts
- Private banking and mortgage lending
Details
| Attribute | Value |
|---|---|
| Licenses | NMLS ID 418473, Member FDIC |
| Lender type | Bank, Portfolio |
What stands out
- The CRE Group focuses on acquisition and development loans secured by commercial real estate, across ground-up, value-add and stabilized projects.
- Targeted project types are industrial, multifamily, office, retail, self-storage, senior housing, student housing and hospitality.
- Credit decisions are made locally, which the bank cites as the reason for quick turnaround on CRE loans.
- Routing number 061019975 and NMLS ID 418473; an Equal Housing Lender and member of the FDIC.