Fraud Alert: Scammers May Be Using Poca Valley Bank’s Name to Obtain Your Banking Information

A familiar name or phone number doesn’t always mean a message is legitimate. Scammers can disguise calls, emails and texts to make them appear to come from Poca Valley Bank. If you receive an unexpected message or call, pause and remember:

• We will never ask for your password or debit card PIN.
• Never move money to another account at the direction of someone claiming to be from Poca Valley Bank.
• If a call seems suspicious, hang up and call us directly using a trusted number—not one provided by the caller or in a suspicious message.

These situations can be unsettling. We’re here to help you verify a message and take the next steps with confidence.
𝗜𝗳 𝘆𝗼𝘂’𝗿𝗲 𝗮 𝗰𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝘄𝗵𝗼 𝗯𝗲𝗹𝗶𝗲𝘃𝗲𝘀 𝘆𝗼𝘂 𝗺𝗮𝘆 𝗵𝗮𝘃𝗲 𝘀𝗵𝗮𝗿𝗲𝗱 𝗯𝗮𝗻𝗸𝗶𝗻𝗴 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻, 𝘆𝗼𝘂 𝘀𝗵𝗼𝘂𝗹𝗱 𝗰𝗼𝗻𝘁𝗮𝗰𝘁 𝘂𝘀 𝗶𝗺𝗺𝗲𝗱𝗶𝗮𝘁𝗲𝗹𝘆 𝗮𝘁 844-782-2651 𝗼𝗿 𝘃𝗶𝘀𝗶𝘁 𝗮 𝗯𝗿𝗮𝗻𝗰𝗵.

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TOLL FREE: 844-782-2651
Business Loans

Poca Valley Bank has the expertise, experience, and financial resources to help grow your business plus a committed Banking Team who understands your business’ needs. Whether you’re expanding your facilities, purchasing new equipment or need working capital, our experienced bankers can provide financial solutions to meet your goals and objectives.

  • Business Manager
  • Business Real Estate Loans
  • Lines of Credit
  • Business Construction Loans
  • Equipment Financing

Business Manager

Are you looking for working capital that keeps pace with the daily needs of your business? The BusinessManager solution helps you meet your goals by providing cash for new invoices.

BusinessManager is most beneficial for businesses that are:

  • Experiencing growth
  • Missing out on prompt-pay and volume discounts
  • Expanding into a new market or line
  • Wanting to make more money
  • Looking to become debt-free and cash-funded

To find out if your business is a good fit for this solution, please contact a Business Solutions Specialist

  • Randall Coleman – Sissonville – eMail
  • Rob Bumpus – Sissonville – eMail
  • Rocky Young – Winfield – eMail
  • Tony Marks – Charleston – eMail
The Elements of Business Manager Cash Flow for Small Business

Business Real Estate Loans

Poca Valley Bank provides lending options for commercial real estate financing. Business real estate loans are most commonly used to:

  • Purchase and/or renovate an owner-occupied commercial property. An “owner-occupied” commercial property is generally considered to be a property where the business occupies at least 51% of the building.
  • Business mortgages are used to finance such commercial properties as mixed-use buildings, retail centers, and office buildings.

* All business loans are subject to credit approval.

Lines of Credit

A working capital line of credit is a fast, convenient, and affordable way to access the short-term funds your business needs. Lines of credit are used primarily to:

  • Purchase inventory
  • Fund short-term operating expenses pending collection of accounts receivable
  • Take advantage of other unexpected opportunities that arise
  • You can access your line of credit, through a call to your business banking officer. You pay interest only on the funds you borrow. Principal reductions can be made via online access or by visiting any Poca Valley Bank branch.

* All business loans are subject to credit approval.

Business Construction Loans

Poca Valley Bank offers options where real estate construction or improvements are the next steps for business expansion.

  • Reasons for Business Construction Loans may include the following:
    • Expansion of existing space
    • New business that wants to grow from the ground up
    • Replacing unpredictable leasing scenarios
  • Business Construction loans have a unique structure:
    • The full amount of the loan is not advanced up front.
    • Draw schedules are put in place, typically 12 months.
    • Interest only until the loan has been fully advanced
    • Loan may convert to principle and interest payments, as a business real estate loan, after the construction period is finalized.

* All business loans are subject to credit approval.

Equipment Financing

Term loans can provide you with the long term financing your business needs for:

  • Equipment acquisitions
  • Vehicle purchases
  • Other capital expenditures

Terms available up to five years, with both variable and fixed-rate pricing options, and loans are generally secured by the assets being purchased and/or other fixed assets.

* All business loans are subject to credit approval.