When Others Say No, Our Expert Lenders Find a Path to "Yes!"

As an SBA Preferred Lender, we offer government-guaranteed funding solutions to entrepreneurs across the nation. Let us help you find the best SBA or USDA loan to start or grow your small business.

Approved to offer SBA loan products under SBA’s Preferred Lender/Express programs.

Longer, Flexible Terms

No Loan Covenants or Balloons

Lower Monthly Payments

Welcome to FNBCC Small Business Lending

FNBCC has been designated as a Preferred Lender by the SBA and serves clients across the United States. Our experienced team has more than 50 years of combined experience and has funded well over $100 million in SBA loans throughout their careers. FNBCC Small Business Lending specializes in funding SBA 7a loans, SBA 504 loans, and USDA B&I loans to a wide variety of industries.

We understand that the right financing can be paramount to your success. Beyond providing financial assistance, we offer insights, resources, and a personalized approach that contribute to the overall success of your business. Whether you are planning for a business acquisition, partner buyout, commercial real estate purchase, equipment purchase, working capital or another business need, we have solutions for you.

Your Partner for Lasting Success

We recognize that your business's financial landscape is ever-evolving, and we are committed to being your partner in every stage of your journey. Whether you're looking to expand, innovate, or adapt to changing market dynamics, we are here to provide the financial support and guidance you need.

Explore Your Funding Options Today

Let's chat, explore your funding options, and see if FNBCC Small Business Lending is the missing piece to your financial puzzle.

Real Stories from Real Businesses

Our reviews showcase our dedication to delivering unmatched service and personalized lending solutions, making a positive difference in the lives and businesses of those we serve.

Best banking experience to date. Knowledgeable staff, flexible, and they work hard to help you.

Shawn Mangeot FNBCC Client

Great bank and great people to do business with!!

Tabatha Wooten FNBCC Client

I would recommend this bank to all of my friends and family💪🏼

Raul DLS FNBCC Client

First national has a great staff. Always friendly and polite.

Brandon Spivey FNBCC Client

Great staff and nice

Abello Gross

Frequently Asked Questions

Navigate the world of small business lending with confidence. Our FAQs provide you with the clarity you seek as you explore your financing options.

SBA (Small Business Administration) loans are designed to assist small businesses in obtaining funding with favorable terms and conditions. The SBA doesn't typically provide direct loans; instead, it guarantees a portion of the loan made by approved lenders, like FNBCC Small Business Lending. This guarantee mitigates the risk, allowing us to offer loans to small businesses that might not otherwise qualify for conventional financing.

We offer a range of SBA loan programs to meet the diverse needs of small businesses. These include:

SBA 7(a) Loans:

  • Versatile financing for various purposes, including working capital, equipment purchase, and debt refinancing.
  • Loan amounts up to $5 million, with longer repayment terms to enhance affordability.
  • Guarantees ranging from 50% - 90% which helps to increase your chances of loan approval.

 

SBA 504 Loans:

  • Designed for businesses looking to acquire fixed assets such as real estate and equipment.
  • Long-term, fixed-rate financing with lower down payments.
  • High loan to value ratios.

 

SBA Express Loans:

  • Expedited approval process for quick access to capital.
  • Loan amounts up to $500,000, providing smaller businesses with the financial flexibility they need.
  • Ideal for businesses requiring a streamlined application process and faster funding.

USDA B&I (Business and Industry) loans are designed to support a variety of for-profit or non-profit businesses in rural areas, as well as some agricultural-related businesses in urban areas like cooperatives and local food projects. These loans offer competitive interest rates and flexible terms, helping businesses that operate in rural areas with financing for expansion, job creation, and infrastructure development. FNBCC Small Business Lending can guide businesses through the application process and structure loans to meet your exact needs.

Initiating the application for a small business loan begins with a simple yet crucial step – engaging in a conversation. Our experienced team is ready to understand you and the unique needs of your business. Reach out to us via telephone, email, or through this website, and we'll direct you to the right loan program, seamlessly guide you through the application requirements, and provide assistance in preparing the necessary documentation.

SBA (Small Business Administration) loans are designed to assist small businesses in obtaining funding with favorable terms and conditions. The SBA doesn't typically provide direct loans; instead, it guarantees a portion of the loan made by approved lenders, like FNBCC Small Business Lending. This guarantee mitigates the risk, allowing us to offer loans to small businesses that might not otherwise qualify for conventional financing.

We offer a range of SBA loan programs to meet the diverse needs of small businesses. These include:

SBA 7(a) Loans:

  • Versatile financing for various purposes, including working capital, equipment purchase, and debt refinancing.
  • Loan amounts up to $5 million, with longer repayment terms to enhance affordability.
  • Guarantees ranging from 50% - 90% which helps to increase your chances of loan approval.

 

SBA 504 Loans:

  • Designed for businesses looking to acquire fixed assets such as real estate and equipment.
  • Long-term, fixed-rate financing with lower down payments.
  • High loan to value ratios.

 

SBA Express Loans:

  • Expedited approval process for quick access to capital.
  • Loan amounts up to $500,000, providing smaller businesses with the financial flexibility they need.
  • Ideal for businesses requiring a streamlined application process and faster funding.

USDA B&I (Business and Industry) loans are designed to support a variety of for-profit or non-profit businesses in rural areas, as well as some agricultural-related businesses in urban areas like cooperatives and local food projects. These loans offer competitive interest rates and flexible terms, helping businesses that operate in rural areas with financing for expansion, job creation, and infrastructure development. FNBCC Small Business Lending can guide businesses through the application process and structure loans to meet your exact needs.

Initiating the application for a small business loan begins with a simple yet crucial step – engaging in a conversation. Our experienced team is ready to understand you and the unique needs of your business. Reach out to us via telephone, email, or through this website, and we'll direct you to the right loan program, seamlessly guide you through the application requirements, and provide assistance in preparing the necessary documentation.

Reach Out & Make Your Business Goals a Reality

Ready to start the loan application process? Contact us for personalized support and expert guidance on small business lending solutions.

YOUR SBA PREFERRED LENDING PARTNER