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.
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Longer, Flexible Terms
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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.
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.
This SBA flagship program offers favorable terms and flexible repayment options to support a wide range of small business needs.
The SBA 504 loan is tailored for small businesses looking to invest in major fixed assets like commercial real estate & equipment.
With a streamlined application process, the SBA Express Loan Program is designed for businesses in need of expedited access to capital.
This program is specifically designed for funding larger commercial real estate purchases or business acquisitions in rural communities.
Let's chat, explore your funding options, and see if FNBCC Small Business Lending is the missing piece to your financial puzzle.
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.
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:
SBA 504 Loans:
SBA Express Loans:
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:
SBA 504 Loans:
SBA Express Loans:
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.
Ready to start the loan application process? Contact us for personalized support and expert guidance on small business lending solutions.
FNBCC - First National Bank of Coffee County
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all of the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside of it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers), both for Windows and for MAC users.
Despite our very best efforts to allow anybody to adjust the website to their needs, there may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to