Online Banking Access

User ID:

User Password:

Forgot Your Password?


Login Pages


Credit Cards

Find a Location

Check Monarch's Stock

Privacy Policy | Sitemap

Online Banking Agreement

Features and Disclosures

Member FDICEqual Housing Lender

Business Lending

Our portfolio of business lending products offers a broad range of short- to long-term solutions that allow us to offer customized business-banking solutions and go beyond a standard cookie-cutter approach. Start relying on OBX Bank to ensure that you’ll not only have a solid basis for planning your future growth, but also the credit available to make those dreams a reality.

Business Line of Credit (BLOC)

Offers you immediate access to funds to cover operating expenses, special needs, or working capital by tapping into the equity in your home to help your company grow.

Real Estate Lending

Our focus is on lending to the top builders and developers on the Outer Banks. We specialize in a wide array of loan options to meet the needs of commercial Real Estate Developers and Residential Builders. We offer financing for acquisition and development and construction needs.


  • Offer financing for residential and commercial real estate acquisition, development, construction, and mini-term financing (5 to 10 year terms) on commercial real estate
  • Local industry expertise within the lending group to provide consultative services
  • Wide array of loan options available to meet the needs of commercial real estate developers and residential builders
  • Quick, local decision making and quick closings

Property Types:

  • Lot Loans
  • Acquisition and Development Loans
  • Residential Construction Loans
    • Consumer/Individual Residences
    • Builder Loans
    • Builder Lines of Credit
  • Commercial Real Estate Loans
    • Office Buildings
    • Retail Strip Shopping Centers
    • Hotels
    • Self Storage
    • Warehouse
  • Residential Investment Properties - Short-term & long-term options

Contact a Private Banker to get started or visit any OBX Bank for more information.

Latest News

Download Monarch Winter 2014 Flyer
More Press Releases

Real Estate Security Agency

Monarch Charities

Shop Monarch
Shop Monarch

Bookmark and Share Find us on Facebook