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At FNB Small Business Finance, we know that every small business owner has unique needs when it comes to long-term financing for their business. Whether you’re looking to start, acquire, or expand your business, our team is here to help! With decades of expertise, we can be creative with how we structure your SBA loan. This can include:

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Buying out a business partner is a huge step for many small business owners. Whether you’re interested in a partial partner buyout or obtaining 100% ownership of the business, it’s a step that might require long-term financing. While there are many options available to small business owners, an SBA partner buyout loan could be a great fit for you.

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Are you in search of financing to fund your business goals? There are many SBA lenders in the market, but it’s important to partner with a lender that matches your passion for growth, understands your industry, and ultimately makes you feel comfortable.

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At FNB Small Business Finance, our Business Development Officers work closely with every borrower, guiding them through the SBA loan process to make sure everything runs smoothly. First course of action – Assembling your SBA Project Team! This is pivotal to setting yourself up for success.

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Opening a franchise location is a great step for many first-time small business owners! There are many benefits to franchise ownership, including business support from the franchisor, lower business risk, and existing brand awareness. However, opening that location can be costly, depending on the franchisor’s fees and whether purchasing commercial real estate is included. That’s where SBA lending comes in!

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The first week of May is designated as National Small Business Week, a time to recognize small business owners and entrepreneurs throughout America. The latest statistics show that there are 33.2 million small businesses in the United States, accounting for 99.9% of all U.S. businesses. While they may be referred to as “small businesses”, one thing is for sure — the impact of these businesses is anything but small.

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Your SBA loan has been approved! Next step: closing. You may be asking yourself what is needed from you as the small business owner in the closing process? Our goal is to make the closing process as smooth as possible, which is why we have a Closing Specialist who will be able to provide the answer to that question. Although there’s still work required to get you to the finish line, our Team will be here to guide you through every step.

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Whenever the United States is faced with inflation or a recession, it is the Federal Reserve’s job to adjust the federal fund rate to combat that. The Federal Reserve generally lowers rates in order to stimulate growth, while increasing rates to slow inflation with the hope of returning to a more sustainable level.

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As a small business owner, you might be thinking what’s next for you or your business in the new year. Do you want to buy a business? Do you want to buy commercial real estate for your current business?

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For business owners who are seeking financing, interest rates play a significant role in finding the best loan option since they can impact borrowing costs greatly. When the Federal Reserve raises rates, the monthly payments for things like small business loans can become proportionately more expensive. For a small business owner who has to account for their business finances over the next several years, a seemingly small change can have major impacts.

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When you partner with our team at FNB Small Business Finance, we want the process to be as transparent as possible to ensure everything goes smoothly. Our team has decades of experience and is dedicated to helping small business owners achieve success. Here is what you can expect the SBA process to look like with our team.

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Large companies and corporations may steal the spotlight from time to time, but there is no question that small businesses are what drive the American economy. As of 2020, there were over 32 million small businesses in the United States, accounting for over 99% of total business in the country!

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Buying commercial real estate is an exciting time for a business owner, but it can be an intimidating process. Acquiring tangible assets, whether an existing property, new construction, or a redevelopment project, requires a lot of financing.

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When it’s time to grow your business, cash flow is vital. Whether you need to open an additional location, build or expand a building, or tap a new market, an SBA loan can help you meet the demands of business growth.

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Obtaining financing for your business is an exciting time, but it can also feel intimidating if you don’t know what to expect. Whether you’re launching a start-up, acquiring an existing business, acquiring or constructing a building to operate from, or opening a franchise, there are some common steps to the SBA lending process that you should know.

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