Financing For Small Businesses
Small businesses are the backbone of our economy. They provide local jobs and make investments in our communities. FNBCC is recognized as a preferred lender by the Small Business Administration (SBA). We specialize in helping small business owners get the financing they need to help their businesses grow and thrive. From expanding your footprint to purchasing equipment, these loans can be tailored to your business's unique needs. To learn more about FNBCC's small business lending options, visit our Small Business Lending website or contact your local FNBCC office.
FNBCC Small Business Lending Contact Our Offices
SBA Loans Available at FNBCC
| Loan Type | Description | Business Value |
|---|---|---|
| SBA 7(a) Loan | One of the most flexible SBA loan programs. Funds can be used for real estate, business acquisitions, partner buyouts, equipment, working capital, and startup costs. | Ideal for growing businesses needing versatile financing with longer terms and lower down payments. |
| SBA 504 Loan | Used to finance fixed assets such as owner-occupied commercial real estate and large equipment purchases. | Helps businesses invest in long-term assets with lower equity requirements and fixed-rate financing. |
| SBA Express Loan | Offers expedited approval for loans up to $500,000. Can be used for most 7(a) purposes, including revolving lines of credit. | Provides faster access to capital for smaller financing needs with flexible usage options. |
| USDA B&I Loan | Supports rural businesses by financing real estate, equipment, business acquisitions, and partner buyouts. | Encourages rural economic development with competitive terms and government-backed security. |