BB&T offers small business loans and credit cards to help with financing inventory, equipment purchases, debt consolidation, and unexpected expenses. Loans offer fixed rates up to $250,000 with collateral options and terms up to 20 years. Lines of credit provide available funds when needed with interest-only payments. The business credit card has no annual fee, rewards program, and initial six months of 0% APR. BB&T aims to offer quick and easy application processes with an understanding of customers' business needs.

1. Small business.
Big flexibility.
SMALL BUSINESS LENDING SOLUTIONS
Our small business loans and credit cards offer a number of advantages, such as:
■ Financing short-term inventory and accounts receivable needs ■ Purchasing new equipment
■ Having funds available when you need them ■ Consolidating existing debt
Business Advantage Loans and Lines of Credit
■ Up to $250,000
■ Collateral Options:
Includes primary or secondary residences, commercial or investment property, equipment and vehicles
Benefits of a BB&T Business Advantage Loan Benefits of a BB&T Business Advantage Line of Credit
■ Fixed rate, term and monthly payment ■ Funds available when needed
■ Amortization schedules up to 20 years ■ Interest only
■ Advance rates up to 80% ■ Meet short-term capital needs or unexpected expenses
BB&T Visa® Business Credit Card
■ No annual fee ■ Variable credit limits ■ No program fee Business Rewards
■ Fraud protection ■ Optional overdraft protection ■ 0% APR on purchases and balance transfers for six months
At BB&T, we make it easy for small business owners because we understand that your time is valuable.
When you work with BB&T, you can always expect:
■ Local lender who understands your business and values your relationship ■ Short, no-hassle application process
■ Quick turnaround time
To apply for any of our Small Business Lending Solutions, please visit your nearest BB&T financial center TODAY!
POD_8580002 Rev. 1-1-13

2. Dedicated To Offering The Products And Services
That Meet Your Needs
BUSINESS DEPOSIT
CREDIT PRODUCTS EMPLOYEE BENEFITS
SOLUTIONS
Finance Major Purchases Attract and Retain Key Talent
Manage Your Cash
Checking / Savings Accounts Business Advantage Loans BB&T@Work
Merchant Services1 Business Advantage Group Insurance2
Check Cards Lines of Credit (Health, Life, etc.)
Small Business OnLine® BB&T Visa® Business Credit Card1 401(k) / Retirement Plans3
Payroll Services
OnSite Deposit
INSURANCE2
Protect Your Business, PERSONAL FINANCIAL NEEDS
Property and Employees Manage Your Finances
Commercial Property Checking / Savings Accounts
Workers’ Compensation Mortgage and Personal Loans
General Commercial Liability Personal Investments3
Surety and Bonding Home / Auto / Life Insurance2
Business Auto BB&T Wealth3
Group Health Plans
BBT.com 1-800-BANK BBT (1-800-226-5228)
The fundamental difference between BB&T and our competitors is the
commitment from our employees to share our knowledge so you can
make informed decisions and look forward to a brighter financial future.
B A N K I N G • I N S U R A N C E • I N V E S T M E N T S
Branch Banking and Trust Company, Member FDIC. Only deposit products are FDIC insured.
Loans, lines of credit and credit cards are subject to credit approval. Equal Housing Lender.
1 Subject to business type and credit approval.
BB&T Business Credit Card Rewards program is available on BB&T Business Credit Cards with an aggregate company credit line of less than $100,000.
2 Insurance products are offered through BB&T Insurance Services, Inc., a wholly-owned subsidiary of Branch Banking and Trust Company.
3 Investment solutions are provided by Branch Banking and Trust Company, BB&T Investment Services, Inc. and BB&T Scott & Stringfellow. BB&T Investment
Services, Inc. is a wholly-owned broker-dealer subsidiary of Branch Banking and Trust Company, Member FINRA/SIPC. BB&T Scott & Stringfellow is a division
of BB&T Securities, LLC, Member FINRA/SIPC and non-bank subsidiary of BB&T Corporation.
Securities, Investments and Insurance products or services are:
© 2013, Branch Banking and Trust Company. All rights reserved.