The experts at First National Bank Small Business Finance are here to help you build your business. We want to be a strategic partner in your success, and it all starts with meeting your financial needs. We offer lending solutions for all types of businesses in all types of industries. Our general lending solutions include:

Business Acquisition

  • Up to 90% financing
  • Up to 100% financing for partnership buyout
  • Up to $2 million in goodwill 
  • Buyer must have related experience
  • Can include working capital
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Commercial Real Estate

  • Up to 90% financing, 25-year term
  • 51% or more owner occupied
  • SBA 7a or 504 loans
  • Can include working capital, equipment, improvements and closing costs
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Business Expansion

  • Can include working capital, equipment and improvements
  • Must be in business at least two years
  • Up to 90% financing, 10 to 25-year term
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Debt Refinance

  • No equity injection required
  • Must save at least 10% on current debt service
  • Up to 25-year term
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  • Up to 90% financing available
  • Construction-to-Permanent financing available
  • Contingency for Cost Overruns included
  • Interim Interest Reserve
  • Includes Contractor Qualification, Cost Analysis, Disbursement Controls, Site Inspections at each Draw request, and Insurance Requirements
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See How We’ve Helped Other Businesses

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Heritage Printing and Graphics

What started off as a hobby in the garage that helped a father teach his sons a trade back in 1977, has grown into the commercial, multi-location printing entity known as Heritage Printing and Graphics. Owner Joe Gass worked with FNB Small Business Finance on an SBA loan to grow his business.

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