Welcome to our four-step loan process.

Credit Denial Notice 

If your gross revenues were $1,000,000 or less in your previous fiscal year, or you are requesting trade credit, a factoring agreement, or similar types of Business credit in this Commercial Loan Application, and if your application for business credit is denied, you have the right to a written statement of the specific reasons for denial. To obtain the statement, please contact,

Chesapeake Bank
Attn: Commercial Loan Operations, Credit Denial Notice
P.O. Box 2256
Kilmarnock, VA 22482

Within 60 days from the date you are notified of our decision. We will send you a written statement of reasons for the denial within 30 days of receiving your request for the statement. The notice that follows describes additional protections extended to you.

Equal Credit Opportunity Notice 

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sec, marital status, age (providing the applicant has the capacity to enter into a binding contract), because all or a part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Protection Act.
The federal agency that administers compliance with this law concerning this creditor is:

Federal Reserve Consumer Help Center
PO Box 1200
Minneapolis, Minnesota 55480

Signature

By signing below, you are submitting this request and the information provided on all accompanying financial statements and schedules for the purpose of obtaining credit and represent that the information submitted is accurate and complete. The Lender is authorized to conduct any inquiries it decides are necessary to verify the accuracy of the information contained in this request and to use any reasonable method to determine your creditworthiness. You are also authorizing the Lender to pull an individual credit account, employment history and have a credit agency prepare a credit report.