Business Lending

Owning and operating a business takes the unique ability to hold on to big dreams while paying attention to the smallest details.

At 1^st National Bank business development in communities is at the heart of local decision making. We offer a full range of lending services for small, medium and large businesses. 1st National Bank is unique in that we look at more than just the numbers and base lending decisions on our full relationship with you.

Summary

• Great interest rates
• Loans for small, medium, and large businesses
• Small Business Administration (SBA) backed loans
• Flexible terms
• Local decision makers
• Professional loan advisors
• Quick answers

Options

• Commercial Real Estate Loan: acquire, refinance or pay off property
• Construction Loan: renovate facilities or finance new construction
• Small Business Administration (SBA) Backed: we work with the SBA to offer a variety of programs and support services to help you navigate the issues you face with your initial applications, and resources to help after you open for business.
• Business Transition: buy into a business or buy out existing owners
• Equipment Loan: buy machinery, vehicles, etc. for business purposes
• Overdraft Protection: used for temporary cash shortfalls
• Municipal Loan: low, tax-exempt rates
• Letters of Credit: guarantees that a third party will receive payment
• Single Pay Note: available to commercial clients with an immediate need and identified future repayment source

Small Business Loans

Small business is America's most powerful engine of opportunity and economic growth. That's where SBA comes in. Most small businesses rely on banks to provide the capital they need to either open a business or to finance capital improvements. Without loans, many small business owners would be unable to realize their dreams of opening a business or expanding their operations.

We work with the Small Business Association (SBA) to provide a number of financial assistance programs for small businesses that have been specifically designed to meet key financing needs, including debt financing, surety bonds, and equity financing.

Your first step to an SBA Loan is talking to a 1st National Bank lender about your SBA Loan options.