Welcome to Covenant Bank


Congratulations! You have crossed over the threshold and into a world that is more exciting and rewarding than you ever imagined. We applaud your courage, and we're confident that with your passion, determination, and help from Covenant Bank, you have the potential to achieve your dreams and goals.


"Starting a business is easy," said no one, ever. If anything, people have told you how difficult it is and showed you the statistics about the high failure rates. That didn't stop you though, did it? Because chances are, you have the entrepreneurial mindset and a dream.

Some quick advice? Be willing to work hard and put in the time. There's no other way. At times you will feel overwhelmed and out of balance. Everyone does. Don't despair and don't give up. Simply do the next thing on your "to-do" list and keep moving.


The following challenges are common to an individual launching a business. By knowing about them, you can prepare for them.

  • Not enough hours in the day
  • Limited or no management experience
  • Poor or no cash flow
  • Lack of credit history

Key Considerations

  • Plug into Covenant Connections for a menu of helpful resources
  • Select mentors and advisors
  • Set up your legal structure
  • Obtain the necessary licenses
  • Create your brand
  • Write your business plan
  • Develop a marketing plan

Financial Product and Service Options to Explore

  • Business checking account
  • Business savings/money market account
  • Business term loan and/or line of credit
  • Online banking and bill pay services
  • Mobile banking
  • Merchant credit card services

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