The First National Bank offers quality loan products to meet your business needs. Our Commercial lenders are committed to delivering the products you need with the superior service you expect.

We offer competitive, flexible terms and rates on a variety of products:

• Commercial Real Estate Loans;
• Operating Lines-of-Credit;
• Equipment Loans;
• Small Business Administration Loans.

Our Commercial Mortgage Loan opportunities include loans for:

• Multifamily;
• Office;
• Industrial;
• Retail;
• Land Development;
• Construction.

Growing a business or establishing a business - we can help! We offer several options for cash flow management, working capital. Let us provide the operating funds you need, when you need them.

Equipment Loans

Allow us to assist you in acquiring new equipment, refinancing existing equipment on more favorable terms, or use the equity in your equipment to fund other business needs.

Small Business Administration Loans

First National Bank is a Certified SBA Lender. Whether you are starting, building or growing your business, a SBA loan may be right for you. Contact one of our Commercial Lenders today to see if one of these SBA programs is for you:

• 7(a) Loans - For start-up expansion, equipment purchases, working capital, inventory or real estate acquisition - up to $2,000,000.
• 504 Loans - For long-term, fixed asset financing through certified development companies up to $5,000,000.
• SBA Express and Community Express Authority - for revolving lines of credit and start-up expansion, equipment purchses, working capital, inventory or real estate acquisition - $250,000 (Express) - $350,000 (Community Express).

Existing Company:

• 3 years of Historical Business Financial Statements;
• Most recent interim Business Financial Statement;
• Last 3 years Business Tax Returns;
• Personal Financial Statement;

Depending on the purpose of the loan you are requesting you may be asked to provide the following:

• Accounts Receivable and Account Payable Agings;
• Inventory List.

• Business Plan;
• Monthly Projections;
• 3-Year Projections;
• Personal Financial Statement;
• Small Business Administration Application.

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