ENCORE BANK

Encore Bank is a boutique commercial bank serving businesses across seven states — Texas, Missouri, Arkansas, North Carolina, South Carolina, Florida, and Colorado. It operates with a private-banking, concierge-style approach, making it a stronger fit for business owners who value direct relationships over a high-volume, digital-first experience. Its small-business product lineup covers lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Minimum eligibility requirements aren't publicly listed, so expect to have a direct conversation to determine fit. Note: Encore has issued a fraud alert about impersonation scams — always verify contact details through bankencore.com before sharing sensitive information.