Loans

In the course of everyday life, whether business or personal, you face plenty of challenges. We think your bank should help you meet those challenges, not give you more.

You need a bank that's ready to perform, without frustrations like committee delays or inflexible loan policies. At Bay Bank, we get answers to your loan requests fast. We offer good, old-fashioned, individualized services and products to fit all your loan needs, and we have very competitive rates.

Consumer Loans

• Personal Loans
• Automobile Loans
• Boat Loans
• Home Equity Loans
• Credit Cards

You may reach Bill Nazaruk on his direct phone line at 850-784-2306.
You can also reach him at bnazaruk@baybankandtrust.com.

Commercial Loans

• Owner Occupied Commercial Real Estate Loans
• Real Estate Investment Loans
• Equipment Financing Loans
• Accounts Receivable and Inventory Financing Loans
• Revolving Lines of Credit
Loans
• Merchant Services
• Internet Cash Management Services
  
  Click here to complete and print an application. Return the application to the Bay Bank Branch location nearest you for processing. This form is in Portable Document Format (PDF) and you will need Adobe Acrobat Reader to view the form. Click here to download the Acrobat Reader if you don't have it.

You can e-mail our loan officers:

Ron Bryan - bweston@baybankandtrust.com
Bill Nazaruk - bnazaruk@baybankandtrust.com
Karla French - kfrench@baybankandtrust.com
Wayland Fulford - wfulford@baybankandtrust.com
Christopher Gladden - cgladden@baybankandtrust.com

All loans subject to credit approval.

Bay Bank & Trust Co's lending area includes Bay County, FL and contiguous counties.