Business Lending

At First National Bank we understand that finding a financial partner and establishing a relationship with an institution that understands your company's needs is critical in today's business world. When you're ready to start a new business, grow your existing business or see an opportunity to increase the strength of your business assets, then you have found a friend and partner who's here to help!



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  • Commercial Real Estate

    First National Bank’s experienced real estate lenders are here for you! We offer lending solutions for owner-occupied as well as investment properties.

    • Purchase or refinance
    • Fixed and variable rate options
    • Up to 20-year amortizations
    • Maximum 80% loan to value on owner occupied
    • Maximum 75% loan to value on investment property
  • Commercial Construction Loans

    First National Bank’s lenders are active in financing a wide variety of construction projects for business owners and investors. Let us customize a financing solution to meet your unique needs.

    • New construction, remodel or expansion
    • Owner-occupied
    • Investment property
    • 12-months interest only during construction with mini-perm option
  • Working Capital Loans

    This is the perfect loan solution for short-term cash flow needs!

    • Accounts receivable and inventory financing
    • Revolving or non-revolving basis
    • Typical loan term is 1-year or less
  • Small Business Lines of Credit

    FNB offers a wide range of financing options for you short term, seasonal, and long term borrowing needs. We'll work closely with you to determine to find the right solution.

    • Unsecured
    • Secured
    • Easy Access
  • Equipment Financing

    Whether you are a family-owned business or a large corporation, companies strive for growth and to manage healthy cash reserves. With this growth, so often grows the need of the business to invest in additional equipment. Rather than tying up precious working capital or using valuable lines of credit, speak to your personal banker at First National Bank to find a financing solution for your equipment needs! Some of the options available include:

    • Heavy equipment financing
    • Machine shop equipment financing
    • Medical equipment financing
  • Business Lines of Credit

    We understand that there are times when you need extra cash to run your business and as your partner, we are here to help. Our lines of credit are specifically designed to help you finance the accounts receivable and inventory needs of your business. We offer secured and unsecured lines and will work closely with you to determine which option is viable and available for your business's needs.

  • Leasing

    We maintain a simplified process complimented by great service and competitive low rates. The loan officers can be counted on to do what we do best while you focus on growing your business. FNB lease financing options are flexible, with competitive rates and experienced staff to help you navigate this lending specialty. We can help your business with:

    • Medical Equipment
    • Motor Graders, Bulldozers and Backhoes
    • Commercial Vehicles
    • Commercial Equipment
  • Home Builders

    First National Bank offers acquisition, construction, and mini-permanent financing for home builders. We also offer home builder guidance lines which speeds up the time it takes to get your house approved and closed.

    • Interim construction financing for contracts, specs, models, & lots
    • Terms up to 12 months interest only
    • Low variable rate options available
    • Maximum 80% LTV on contracts, specs, & models
    • Maximum 75% LTV on lots

    We also offer Construction, Construction to Perm, and Mortgage financing for your clients through First National Bank Mortgage.

  • Medical & Professional

    If you’re committed to growing your practice, you’ll need to find a bank that’s just as committed to helping you do it. We understand that a trusted, personal relationship with your banker can mean the difference between a good business and a great one. You can do business with a bank that specializes in banking products specifically for professionals working in medicine, dentistry, finance and law. Get to know the bank that will take the time to get to know you and your business.

    • Equipment Financing
    • Equipment Leasing
    • Real Estate Financing
    • Mortgage Financing
    • Personal Lines of Credit
    • Working Lines of Credit
    • Start-Up / Buy-in / Buy-out
    • Special Rates & Financing Terms
    • Medical Office Financing
    • Practice Expansion
    • Practice Merger
    • Deposit, Collection and Payment Services