Loan Options
Business Lines of Credit
Agriculture Loans
Commercial Construction Loans
Commercial Real Estate Loans
Small Business Loans
What We Offer
Whether you're a farmer investing in new equipment, a family turning their dream into a storefront, or a contractor growing their team, at BSV, we're here to help make those stories possible.
For more than a century, we've been providing small business lending across Central and Southern Virginia. Our Commercial Lending team brings over 120 years of combined experience and a shared passion: helping the businesses that help our communities.
Why Businesses Choose Loans Through BSV
Local Decision-Making
Flexible Solutions
Competitive Interest Rates
Convenient Access
Personal Service
Community Commitment
Our lenders don't just know banking - they know our community
Chris Everett
Chris has spent his 30+ year career right here at BSV. He specializes in agricultural and commercial lending, offering FSA, USDA, SBA, and VSBFA loan programs, as well as construction loans for contractors and owner-builders. A Dinwiddie County native, Chris is deeply rooted in the community he serves.
Lauren Harper
With more than 35 years of lending experience in Western Tidewater, Lauren is passionate about supporting small businesses. She proudly serves Franklin, Capron, Boykins, Wakefield, and Smithfield - bringing personalized lending to the heart of each community.
James Black
James has over 32 years of professional banking experience and resides in his hometown of Chesterfield County. Throughout his career, he has served community banks in the roles of Chief Executive Officer and Chief Financial Officer and worked as a bank examiner for the Federal Reserve Bank of Richmond. His diverse experience offers valuable insight that helps businesses grow and thrive in their communities.