Securing funding can be a critical factor in the success of your business, whether you’re a one-person start-up or a large manufacturer. For more than a century, First National Bank has been providing local companies with funding and expertise to start businesses, or improve and expand them. We understand and react to the needs of the communities we serve.
Our commercial lenders are part of your team, working with you, for you. As a community bank, we make local decisions quickly, and you have access to our highest officers. We also service all of our loans, so when you have a question, there’s only one call to make.
We offer competitive rates and flexible loan terms to meet your needs. We can assist you in the following areas:
If you need funds to finance your daily operations, and to manage revenue and expense fluctuation due to seasonality or other circumstances, a working capital line of credit may be for you.
Business term loans and lines of credit
A business term loan or line of credit allows your business to manage cash flow, introduce a new product line or acquire a new business. A line of credit allows you to access funds as needed up to your credit limit during the time period set by your lender. You only pay interest on your line of credit when you withdraw money. As you repay the principal, your credit revolves and you can use it again. A line of credit can be useful for managing cash flow and unexpected expenses.
Equipment purchases or leases
Don’t let old equipment hold you back. Upgrade, expand or replace your equipment with an equipment loan or lease to take your business to the next step.
Real estate loans
Commercial real estate loans are available for owner-occupied properties and investment properties. We do commercial real estate financing for both existing properties or potential new construction.
Remodeling, expanding or building
First National Bank can help you with a loan to make improvements on your existing space, including remodeling or expanding, or to build an entirely new facility.
First National Bank offers low-interest-rate loans for small businesses that are backed and guaranteed by the U.S. Small Business Administration (SBA).
We’re Invested In You
Our experienced commercial lenders will work with you to assess your situation, answer all of your questions and help you make the best financing choice for your business. You can feel confident that we will value your business and our relationship with you.
Get started by contacting one of our commercial lenders.
Submit a business loan inquiry