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Business Loans

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

Commercial Real Estate Loans

Our Commercial Mortgage Loan opportunities include loans for the following properties:

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

Operating Lines-of-Credit

Whether you’re establishing a new business or growing an existing business, we can help! We offer several options for cash flow management and 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 or 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, an 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 $5,000,000
  • 504 Loans: for long-term, fixed-asset financing through certified development companies up to $5,500,000

Application Checklist

  • 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
  • New Company:
    • Business Plan
    • Monthly Projections
    • 3-Year Projections
    • Personal Financial Statement
    • Small Business Administration Application

Use our Loan Calculator or Loan Comparison Calculator to help determine the financing and payment options that are best for you, and then visit one of our branches to discuss all your available options with one of our commercial lenders.

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