The Water Dog is a riverside taphouse and oyster bar located in Lynchburg, Virginia. Their selection includes 36 brews on draft and a menu featuring raw oysters, house-made fries, grilled cheese sandwiches, sharable apps and fresh baked cookies (we know your mouth is watering now!). Everything is made in-house with locally sourced ingredients. Their main focus is bringing people together to enjoy delicious food and beverages in an awesome riverside environment. The Water Dog features a 2,000 square foot beer garden, a splash park for the kids – and did we mention the amazing riverside view?

After many years in the banking industry, owner Dave Henderson spent some time thinking about the direction of his life. Inspired by the craft brew movement, he stepped away from corporate America and let his entrepreneurial spirit take over. Making this decision was not easy – this meant a big change for him and his family, including a physical move from the bustling city of Charlotte, NC to Dave’s hometown of Lynchburg, VA. This location ended up being the perfect spot for his start-up business; Lynchburg itself is an up-and-coming town that was missing a business of this nature in its market.

When the time came for Mr. Henderson to obtain financing for his start-up venture, he was referred to FNB by a friend. After some research into our lending program, he was put in touch with one of our expert Business Development Officers. Our team's experience with start-up financing led to a smooth transaction and a successful closing for this SBA 7(a) loan.

Dave had this to say about his experience working with us:

Starting this business was one of the biggest decisions of my life. FNB Small Business Finance was essential in making this happen for me. They made the SBA loan process easy to understand and were always there to answer any questions I had. Words can’t explain how much I appreciate the time the team spent on our loan – I’m not talking phone calls or emails, I’m talking physically being there and going over all of the details face-to-face. I know they invested their personal time in my cause, and I am forever grateful for that. FNB has been there even after the deal was done and the ink was dry. Many thanks to the team for their role in getting my business off the ground!

Since the business opened in September 2016, sales have exceeded expectations – and the community in Lynchburg has truly embraced the business. The company is thriving, and we look forward to seeing continued success for The Water Dog!

The Water Dog
1016 Jefferson St.
Lynchburg, VA 24504

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