Section Index
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Our Story
Your Business Partner
We offer a full slate of financial services. Our clients count on us as a trusted partner in the success of their businesses and we pride ourselves on our attention to detail and dedication to service. We have a track record that you are looking for in a financial partner. Learn what Affinity Bank can do for you.
- Attorney Offices
- Churches and Nonprofits
- Dental Practices
- Dermatology Practices
- Medical Professionals
- Veterinarian Offices
- Other Professionals & Service Related Businesses – See our more about our Commercial Banking Services
Our Story
Trust Us, We're Bankers
Not a lot of goodwill towards bankers these days, and for good reason. But at Affinity Bank, we do things differently – no nickel and diming, no unnecessary complexities. Still not convinced? Just climb up on the platform and fall backwards with your arms crossed, and we’ll catch you to show you how trustworthy we are. Now not a good time? Stop by our office, we can do it then.
Partners & Clients - Not Customers & Account Numbers
We specialize in serving our clients. No call center. No automated support. We are real people, here to assist you. Get to know your Affinity Team
High Tech - High Touch
Affinity Bank encompasses our core values, the ideas and beliefs that shape the way we’ve done business in the past and how we want to do it in the future. As a full-service bank we strive in serving individual and business clients in Atlanta and across the Southeast with our particular combination of ultra-convenient, service-focused high tech, high touch banking.
Our History
Affinity Bank was established in 2010, but we began in 2002 under a different name. As Atlanta Business Bank, we served all manner of small businesses with a full slate of financial services. Our clients count on us as a trusted partner in the success of their businesses and we pride ourselves on our attention to detail and dedication to service.
As we expanded our services to individuals we faced a dilemma – we had built a strong reputation with the Atlanta Business Bank name, but were no longer going to be strictly a business bank or strictly in Atlanta. Affinity Bank encompasses our core values, the ideas and beliefs that shape the way we’ve done business in the past and how we want to do it in the future. Now, we have grown to become a full-service bank, the leader in remote deposit technology in the Southeast, serving individual and business clients in Atlanta and across north Georgia with our particular combination of ultra-convenient, service-focused high tech, high touch banking.
Our Philosophy
A New Kind of Bank
Simply put – going to the bank to make a deposit these days is about as practical as driving to one of the few remaining phone booths to make a phone call. With the advent of the smart phone, such a thought seems ridiculous. With the advanced technology to deposit your checks from your smartphone, home or business scanner, the thought of fighting through traffic to stand in line at the bank is equally ridiculous. Traditionally, people have had a choice of banking with an Internet bank that delivers a high level of convenient technology or a community bank that understands the meaning of relationship. Affinity Bank brings the best of both worlds together, saving our clients time through our technology-driven operating platform while providing the highest level of personal service. Let us show you how to kick up your feet and bank from the comfort of your own home or office and when you have time we would love to invite you to visit us our office. We are located in the Cobb Galleria complex at 400 Galleria Parkway SE Suite 900 Atlanta Georgia 30339. Our office hours are Monday – Friday 9am – 4pm.
Carter Barrett
Market President for the North Atlanta division of Affinity Bank
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank. He is a commercial banker with 30 years of experience who actually built and sold a bank. He raised the capital, wrote the business plan, recruited customers and eventually sold it for nearly 28 times annual earnings. He’s built a career helping companies and real estate investors thrive.
Andrew Bell
Vice President of Business Development, North Atlanta division of Affinity Bank
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business owners to smart solutions that go beyond the transactional definition of a banker. His success stories include increasing a company’s efficiency sufficiently to eliminate the need for a third shift, consulting with a nonprofit to maximize its tax benefits, and facilitating numerous business sales and mergers.
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
Andrew Bell
Market President for the North Atlanta
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business.
Andrew Bell
Market President for the North Atlanta
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business.
Andrew Bell
Market President for the North Atlanta
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business.
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Team
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Carter Barrett
Market President for the North Atlanta division of Affinity Bank
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank. He is a commercial banker with 30 years of experience who actually built and sold a bank. He raised the capital, wrote the business plan, recruited customers and eventually sold it for nearly 28 times annual earnings. He’s built a career helping companies and real estate investors thrive.
- University of Georgia, Bachelor of Business Administration in Finance
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Andrew Bell
Vice President of Business Development, North Atlanta division of Affinity Bank
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business owners to smart solutions that go beyond the transactional definition of a banker. His success stories include increasing a company’s efficiency sufficiently to eliminate the need for a third shift, consulting with a nonprofit to maximize its tax benefits, and facilitating numerous business sales and mergers.
- Methodist University in Fayetteville, NC, double major in Business Administration and Marketing
- Master of Business Administration degree at Piedmont College
“If you are always trying to be normal, you’ll never know how amazing you can be.”
~ Maya Angelou
Danny Bourgeois
Marketing Executive
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Danny Bourgeois
Marketing Executive
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
Carter Barrett
Market President for the North Atlanta
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
“The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood…”
~ Theodore Roosevelt
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Quick subtitle for explanation
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec rhoncus feugiat laoreet.
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec rhoncus feugiat laoreet.
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec rhoncus feugiat laoreet.
Sign up for Affinity Bank
This is why you should sign up.
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Section 1
Can i edit the files ?
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How can i edit smart objects ?
Yes, in fact that a reader will be distracted by the readable content of a page when looking at its layout.
Section 2
Can i edit the files ?
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard
Is it Layered ?
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
How can i edit the masks ?
Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical
What do i need to open the files ?
There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration
Is the font free ?
Lorem Ipsum is simply dummy text of the printing and typesetting industry. It has been the industry’s standard
How can i edit smart objects ?
Yes, in fact that a reader will be distracted by the readable content of a page when looking at its layout.
Section 3
Can i edit the files ?
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard
Is it Layered ?
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.
How can i edit the masks ?
Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical
What do i need to open the files ?
There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration
Is the font free ?
Lorem Ipsum is simply dummy text of the printing and typesetting industry. It has been the industry’s standard
How can i edit smart objects ?
Yes, in fact that a reader will be distracted by the readable content of a page when looking at its layout.
Is Your Bank Dental Friendly?
Only a bank with dental-practice experience can maximize the value of a practice’s equity. Most banks struggle to determine the value of a dental practice when considering a loan. To an experienced bank the process is simple.
Lending to a homeowner is easy.
You simply determine the market value of the home and calculate the size of the loan accordingly.
But a dental practice is different. There are few tangible assets. Most of the value is in the goodwill –– the hard work, sweat and tears the dentists have put into the practice to build its reputation on the market. But it’s hard to value goodwill, and even harder to use it as collateral for a loan. Fortunately, about 85 percent of Affinity Bank’s clients are dentists, so we’ve long since figured out how to value a practice.
3 Factors Come into Play
The average sale price for a healthy practice in your market area.
The bank’s tolerance for risk at any given time.
The profit margins of the practice and its ability to consistently generate sufficient cash flow to pay it current and future debts.
Here's a Hypothetical Example
A practice averages $1 million a year in collections over the last three years. Further, in the designated market area, the average sale price has been about 80 percent of average annual collections. Finally, let’s assume an existing debt of $500,000.
The formula for potential “lendable practice equity” is the average collections of the practice multiplied by the regional sale-price-to collections ratio minus the debt of the practice.
For this example: $1 million times 80 percent = $800,000 minus $500,000 = $300,000 (ex 1). Keep in mind that the lendable practice equity is only one factor in the decision. Also considered are the practice’s profit margins and its ability to generate enough cash to cover existing and future debts.
Once the lendable equity is determined, the practice can apply it to a variety of objectives:
The practice may want to buy real estate in anticipation of a possible expansion. Most banks require clients to put up 15-20 percent in cash for real estate purchases, but Affinity Bank has often lightened a portion of that down payment with a loan to the practice.
Renovation of existing leased space is a common objective. We have often used practice equity to cover the costs of those projects.
Rolling student debt into the debt of the practice can provide potential tax advantages.
Credit lines and equipment purchases are also common reasons for loans.
We often work closely with a practice’s CPA or tax attorney to make sure an equity loan fits the specific needs of the practice. With our extensive experience in dental practice lending, we can help dentists minimize risk and achieve their financial and professional goals.
What Our Clients Say
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Sophia Miller
Chief Editor, Monday Times
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Sophia Miller
Chief Editor, Monday Times
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Michael Morris
Mechanical Engineer, Alumni 2015
About Us
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Our Story
Your Business Partner
We offer a full slate of financial services. Our clients count on us as a trusted partner in the success of their businesses and we pride ourselves on our attention to detail and dedication to service. We have a track record that you are looking for in a financial partner. Learn what Affinity Bank can do for you.
- Attorney Offices
- Churches and Nonprofits
- Dental Practices
- Dermatology Practices
- Medical Professionals
- Veterinarian Offices
- Other Professionals & Service Related Businesses – See our more about our Commercial Banking Services
Our Story
Trust Us, We're Bankers
Not a lot of goodwill towards bankers these days, and for good reason. But at Affinity Bank, we do things differently – no nickel and diming, no unnecessary complexities. Still not convinced? Just climb up on the platform and fall backwards with your arms crossed, and we’ll catch you to show you how trustworthy we are. Now not a good time? Stop by our office, we can do it then.
Partners & Clients - Not Customers & Account Numbers
We specialize in serving our clients. No call center. No automated support. We are real people, here to assist you. Get to know your Affinity Team
High Tech - High Touch
Affinity Bank encompasses our core values, the ideas and beliefs that shape the way we’ve done business in the past and how we want to do it in the future. As a full-service bank we strive in serving individual and business clients in Atlanta and across the Southeast with our particular combination of ultra-convenient, service-focused high tech, high touch banking.
Our History
Affinity Bank was established in 2010, but we began in 2002 under a different name. As Atlanta Business Bank, we served all manner of small businesses with a full slate of financial services. Our clients count on us as a trusted partner in the success of their businesses and we pride ourselves on our attention to detail and dedication to service.
As we expanded our services to individuals we faced a dilemma – we had built a strong reputation with the Atlanta Business Bank name, but were no longer going to be strictly a business bank or strictly in Atlanta. Affinity Bank encompasses our core values, the ideas and beliefs that shape the way we’ve done business in the past and how we want to do it in the future. Now, we have grown to become a full-service bank, the leader in remote deposit technology in the Southeast, serving individual and business clients in Atlanta and across north Georgia with our particular combination of ultra-convenient, service-focused high tech, high touch banking.
Our Philosophy
A New Kind of Bank
Simply put – going to the bank to make a deposit these days is about as practical as driving to one of the few remaining phone booths to make a phone call. With the advent of the smart phone, such a thought seems ridiculous. With the advanced technology to deposit your checks from your smartphone, home or business scanner, the thought of fighting through traffic to stand in line at the bank is equally ridiculous. Traditionally, people have had a choice of banking with an Internet bank that delivers a high level of convenient technology or a community bank that understands the meaning of relationship. Affinity Bank brings the best of both worlds together, saving our clients time through our technology-driven operating platform while providing the highest level of personal service. Let us show you how to kick up your feet and bank from the comfort of your own home or office and when you have time we would love to invite you to visit us our office. We are located in the Cobb Galleria complex at 400 Galleria Parkway SE Suite 900 Atlanta Georgia 30339. Our office hours are Monday – Friday 9am – 4pm.
Ed Cooney
Chief Executive Officer Newton Federal Bank and President of Affinity Bank
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank. He is a commercial banker with 30 years of experience who actually built and sold a bank. He raised the capital, wrote the business plan, recruited customers and eventually sold it for nearly 28 times annual earnings. He’s built a career helping companies and real estate investors thrive.
Chip Nelson
Executive Vice President and Chief Credit Officer of Affinity Bank
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business owners to smart solutions that go beyond the transactional definition of a banker. His success stories include increasing a company’s efficiency sufficiently to eliminate the need for a third shift, consulting with a nonprofit to maximize its tax benefits, and facilitating numerous business sales and mergers.
Carter Barrett
Market President for the North Atlanta division of Affinity Bank
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank. He is a commercial banker with 30 years of experience who actually built and sold a bank. He raised the capital, wrote the business plan, recruited customers and eventually sold it for nearly 28 times annual earnings. He’s built a career helping companies and real estate investors thrive.
Andrew Bell
Vice President of Business Development, North Atlanta division of Affinity Bank
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business owners to smart solutions that go beyond the transactional definition of a banker. His success stories include increasing a company’s efficiency sufficiently to eliminate the need for a third shift, consulting with a nonprofit to maximize its tax benefits, and facilitating numerous business sales and mergers.
John Doe
Senior Vice President of Vice Presidents
Carter Barrett puts his savvy business skills and long-term relationships to work for Northside businesses as the Market President for the North Atlanta division of Affinity Bank.
Jane Doe
Executive Vice President of Call Center Communications
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business.
Danny Bourgeois
Marketing Executive
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business.
Andrew Bell
Customer Service Representative & Marketing Specialist
Andrew Bell, Vice President of Business Development at the North Atlanta division of Affinity Bank, is a trusted advisor for some of the top businesses in North Atlanta, guiding business.
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