Work with a

Bank that thinks like a Commercial Real Estate Owner


Serving the Southeast for Decades. Our team has been in the region since the 1980’s. 

Decisions are made locally; which allows for a quick turn around for all types of commercial real estate loans. These include the following property types: 

  • Retail 
  • Office/Flex office 
  • Multifamily 
  • Industrial
  • Hotel 
  • Owner Occupied/Single Tenant 
Lending Structures : 
  •  Fixed Rate Terms for 2 to 10 years 
  • Construction Loans 
  • Value Add Loans 


to Share in Your Vision.

How Can we Serve You?

Listening to your story is critical. Hearing what’s said and what’s implied goes a long way in the art of crafting the best funding solutions. 

Good partnerships are rooted in a clear vision, a flexible arrangement and mutual benefits. 

Our hands-on approach, allows you to leverage the full set of resources, industry insights and financial tools. 

Our knowledge and expertise will help you achieve your goals—today, tomorrow and throughout a wide variety of future economic cycles. 


To Partner

We're Ready To Partner

We’re Ready to Partner to meet your commercial real estate needs.

Need to buy a building? Refinance an existing loan? Or build a new building? We offer commercial real estate loans catered to your organization’s needs with competitive interest rates.

A Transaction Begins with your lender listening to your commercial real estate needs. This relationship will grow one deal at a time and evolves into a long term partnership. 

Meet Our Commercial Real Estate Team

Joe Braver

Senior Vice President - Commercial Real Estate

Commercial Real Estate Lending for 35 years.
Lending in the Southeastern United States for 27 of those years based in Atlanta.
Experience includes working for a life company, investment banks and regional banks.

Ed Cooney, CPA

Chief Executive Officer
Affinity Banchares Inc, Affinity Bank, Newton Federal, FitnessBank

Affinity Bank since 2002. Banking since 1995.

Chip Nelson

Executive Vice President &
Chief Credit Officer Newton Federal, Affinity Bank

Affinity Bank since 2005.

Carter Barrett

Market President for the North Atlanta Division of Affinity Bank

Affinity Bank since 2019. Banking since 1995.

Raving Fans - What Our Clients Say About Us

Originally - in 2002, Our Name was Atlanta Business Bank. Since then We Have Grown by Sharing Our Expertise, Networks and Resources. We have Taken a Partnership Approach with Many Businesses in the Southeast.

“The Affinity Bank family has been very good to us over the years. As our company has grown, Affinity has grown with us. I know that Ed Cooney and his team has our best interest at heart. I am grateful for our partnership.”



Southern Lighting Atlanta, Georgia


Arlene Lyons

Owner & CEO of the Esani Institute
Roswell, Georgia

“Andrew  Bell of Affinity Bank is the most client-focused business banker with whom I have had the pleasure to work. He took the time to truly understand my business and then went above and beyond to support the success of our business. From internal advocacy in support of business financing needs to teaching personal financial seminars at our advanced academy, no task was too big or too small. He is a shining example of excellent customer service.”

“I am a business man and understand the importance of good Customer Service. I like dealing with people that do what they say. My experience with Andrew Bell and Affinity Bank has been above expectation. They have come through on every promise. The community approach and attention to my needs has been impressive. Andrew has been engaging, supportive, attentive and available.”

“My big bank really let me down when I needed help with PPP. Affinity Bank and Andrew came to my rescue when I needed them most! I am very grateful and I will be with Affinity Bank for years to come.”



Business Rep
Johns Creek, Georgia

Contact Joe Braver & His Team.

The difference at Affinity Bank can be experienced at the start of a new engagement. We approach the relationship as a partner. We listen. We ask questions. We do our best to truly understand and appreciate your vision.  
With decades of funding real estate projects across the Southeast, we’re ready when you are.
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Let's Get Started. We're Better Together!

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Newton Federal Bank is a division of Affinity Bank. Newton Federal Bank and Affinity Bank are the same entity for the purpose of calculating FDIC insurance limits and deposits.  Newton Federal is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments. © 2021-2022 All Rights Reserved.