Credit & Financing
The Biltmore Bank of Arizona offers a variety of customized credit options to meet the unique financing needs of your business. Whether your need is liquidity, credit, real estate or business asset financing, you can count on your relationship manager to engineer the right financing solution for your business.
The Biltmore Bank of Arizona can structure term loans or revolving lines of credit to support your company’s long-term growth and profitability. With a variety of fixed and variable rate options, our commercial loans can provide a valuable source of working capital for your business and help you acquire the resources you need to maximize your profitability and strengthen your competitive position.
- Term loans
- Equipment financing
- Permanent working capital
- Lines of credit
- Accounts receivable financing
The Biltmore Bank of Arizona provides a variety of financing alternatives for businesses, developers and investors to improve facilities, refinance or acquire new properties.
- Manufacturing facilities
- Warehouse space
- Professional offices
- Apartment buildings
- Multi-family residences
Our construction lending specialists can structure loans, with flexible terms, for construction projects, including commercial projects, owner-occupied or investment properties.
We are committed to bringing economic opportunities to underserved individuals and communities in the markets we serve. Our Small Commercial Loans are targeted to help support the growth and stability of the small business enterprises that are so important to the health and vitality of these communities.
Our Small Commercial Loans offer revolving lines of credit and term loans from $5,000 to $75,000, depending on qualifications. Learn more about our Small Commercial Loans.
Meet The Team
John T. Byrd
Executive Vice President & Senior Regional Credit Administrator
A native Arizonan, John Byrd’s entire banking career has been based in Arizona. He joined The Biltmore Bank of Arizona in 2002. Previously he was with Bank One, Arizona and its predecessor bank, Valley National. He held the position of Regional Senior Credit Officer and was responsible for a $9 billion commercial credit portfolio in the six-state region of Arizona, Colorado, Louisiana, Oklahoma, Texas, and Utah.
John has been active in the community for many years, serving on the boards of the Valley of the Sun YMCA, Greater Phoenix Chamber of Commerce, Valley of the Sun Communities in Schools, Midtown Rotary Club, Yuma Fine Arts Association, and Yuma Rotary Club. He has also been active in Junior Achievement, and Friends of Mexican Art. On a professional basis, John has been a member of and an instructor for the Risk Management Association and the Arizona Bankers Association.
Senior Vice President & Regional Credit Administrator
Adam White joined The Biltmore Bank of Arizona in December 2010 as a Senior Vice President and Regional Credit Administrator managing the bank’s commercial underwriting department for the Phoenix market. Prior to joining Biltmore Bank, Adam was an Executive Vice President of Commercial Lending at Copper Star Bank, where he was responsible for developing a commercial loan and deposit portfolio, managing a staff of commercial loan officers, analysts and loan administration, and assisting the bank’s Chief Credit Officer with the ALLL analysis, audits and regulatory exams. He has been in the banking industry for over 15 years.
Adam has served on the Town of Cave Creek’s Board of Adjustment since December 2009, and he has participated on the Citizen’s Budget Committee. From 2011 to 2013, he served as a volunteer for the Washington Street Foundation. Adam is a graduate of Arizona State University with a Bachelor of Science Degree in Finance.