Bank of the James

Bank of the James is a community bank headquartered in Lynchburg, Virginia, founded in 1999, with a regional presence across Lynchburg, Roanoke, and Buchanan. It lends on a relationship basis — working with borrowers to structure deals rather than applying rigid templates — which tends to work in favor of businesses with less straightforward needs. Commercial products include lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Rates and qualification minimums aren't published publicly, so you'll need to reach out directly to discuss fit. A good option if you're a Virginia-based business that prefers working with a local banker who knows the regional market.