Small Business Loans: Fueling Business Growth
At FNBC, we’re dedicated to helping local businesses thrive. Our Small Business loans offer competitive rates and flexible terms, making it easier for your business to get the funding it needs at any stage of business.
Low Down Payments
Keep more cash on hand with lower down payment requirements.
Longer Repayment Terms
Enjoy manageable monthly payments with extended terms.
Competitive Rates
Designed to support small business growth with favorable interest rates.
SBA Loan Options
As an SBA Preferred Lender, we are ready to help you find the right SBA fit.
7(a) Loans
SBA loans up to $5 Million. Term loans that can be used for a range of purposes, including to start a business, for working capital, to buy a business, to expand or renovate a business, to purchase equipment or real estate, and to refinance debt.
504 Loans
SBA loans up to $5 million. Ideal for existing businesses looking to acquire or refinance fixed assets such as real estate, machinery, or major equipment.
Express Loans
SBA loans up to $500,000. Small dollar term loan or line of credit. These small business loans can be used for a range of purposes, including working capital, to start a business, to expand or renovate a business, to purchase equipment or real estate, and to refinance debt.
FSA Loans: Supporting Your Agricultural Success
At FNBC, we’re committed to supporting local farmers with financing solutions tailored to your needs. Our Farm Service Agency (FSA) loans offer competitive rates, flexible terms, and personalized service to help you succeed.
FSA Loan Options
Ownership Loans
Purchase farmland, construct or improve farm buildings, and promote soil and water conservation.
Operating Loans
Cover day-to-day operational costs like feed, seed, equipment repairs, and family living expenses.
USDA Business & Industry (B&I) Loans
For eligible businesses in rural areas to buy or expand a business, finance improvements, equipment, real estate, augment working capital, or refinance debt.
Loan amounts with a USDA business loan vary per business and loan product. Typically, most USDA business loans range from $200,000 to $5 million, and do not exceed more than $25 million.
