We want to make the process of applying for a FNB SBA loan as simple as possible so here is how it works:


  • Let us know you are interested.
    Contact one of our experienced team members to talk about your business needs.

  • You will hear back from us shortly.
    You will be contacted by one of our top Business Development Officers (BDO) to discuss your loan requirements and eligibility within 2 business days, if not sooner. Our goal is to learn more about you and your business so we will know how to best meet your immediate needs.

  • Gather Information.
    Every loan request is different. Your BDO will request information about you, your business and your project to help structure a loan package that meets your needs.

  • Proposal Letter.
    Assuming everything is in order, you will receive a Proposal Letter explaining the structure of your proposed loan, the amount of the loan, the interest rate and the number of years of the loan. The Proposal Letter will also spell out any additional documents or information we will need for formal loan approval.

  • Complete the application.
    Your BDO will help you and your advisors complete the application and loan package for submission to credit.

  • Completion of the formal underwriting and credit approval.
    Once the loan application has been submitted and we have reviewed all of the required documents, you have done your part. Our team will take it from here. While we may have a few questions for clarification, the goal is to have a formal approval of the loan within 10 business days from the time of receipt of the completed application. You will be notified as soon as a credit decision has been secured.

  • Closing the loan.
    A timely loan closing is as important to us as it is to you. A loan closer will be assigned to your loan to help coordinate the closing of your loan with the bank's attorney and your attorney. Your closer will provide you with a closing checklist showing you everything needed to close your loan. Expeditious submission of any outstanding documents will go a long way in reaching the closing table. Your closer and your BDO will be there to help you.

  • Funding.
    Your BDO and closer can explain exactly how the funding will work, depending on whether this is a single or multiple disbursement loan.

It is important for you to know that FNB's goal is to build a long-term relationship with you. We have helped many of our clients with second and third loan requests as they have grown their business. We want to become a strategic partner in your success and help you grow your business. From the earliest days of our business partnership, you will have an experienced team responsible for your loan transaction. It is our goal to bring value to you and your business, maintaining the highest level of communication throughout the process.

So let's get started. We are standing by to help make your business dreams a reality.

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