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Your Business

Client Story: A Class “A” Banking Relationship

Where do great ideas come to life? For some, in a board room, classroom or on the job. For John Cross – in his garage. In 2018, John and his wife, Baileigh, conceptualized starting their own business – a utility contracting company specializing in the installation of gas, power, communications, sewer and water lines.

With John’s employment experience in the industry, and the partnership of two good friends who are successful local business owners and Class A contractors, Cross Underground Development was born. In a few short years, their hard work and determination transformed Cross Underground from its humble beginnings in John’s garage into a thriving operation with 25 plus employees and a fleet of over 15 equipment vehicles. The primary focus? Safety for Hampton Roads.

While the business originated as a partnership, it soon became time for John and his family to fly on their own. With a vision to expand, John put his trust in Atlantic Union Bank (AUB) and in his business banker Angela Sadsad to assist with a partner buyout. Eager to find the right solution, Angela worked with AUB’s SBA Lending team to secure an SBA 7(a) loan that not only funded that partner buyout, but also restructured existing debt, and provided an SBA Express line of credit for working capital. As Cross Underground continues to grow, we continue to provide. Recently AUB was able to increase that credit line to assist them with growing cash flow needs stemming from new contracts with major utility companies.

For John, it’s all about trust and growth. “I enjoy the kindness and respect I have received from all Atlantic Union [Bank] employees in the local branches” John says. “I enjoy our relationship with our banker, Angela, and her willingness to help us grow our business.”

Angela and John have a mutual respect for one another, and Angela considers Cross Underground as an incredible client to work with. “John and Baileigh, to me, are the epitome of the small business success story – self-made, hardworking, motivated, and committed to quality” Angela says. “The business is run tight as a drum.” They seek out the advice of their financial team to weigh in on important decisions.”

A great relationship between a banker and their client is pivotal in creating and maintaining business success. Angela is dedicated to watching Cross Underground Development grow, and John knows Angela is only a phone call away. “She has always gone above and beyond for us” John says. And here at Atlantic Union Bank, we’re confident she always will.

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