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:
Yes, sometimes closing costs can be included in the loan, simplifying the financing process for businesses. This option provides added convenience, allowing businesses to wrap the associated costs into the overall loan amount rather than dealing with them separately.
Eligibility for an SBA loan is contingent on meeting specific criteria established by the Small Business Administration. Businesses must align with the SBA's size standards, and operate in a for-profit industry. To determine eligibility and explore financing options, initiating a conversation with our team at FNBCC is crucial. We will guide you through the application process, ensuring compliance with SBA guidelines and tailoring a solution to fit your business needs.
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:
Yes, sometimes closing costs can be included in the loan, simplifying the financing process for businesses. This option provides added convenience, allowing businesses to wrap the associated costs into the overall loan amount rather than dealing with them separately.
Eligibility for an SBA loan is contingent on meeting specific criteria established by the Small Business Administration. Businesses must align with the SBA's size standards, and operate in a for-profit industry. To determine eligibility and explore financing options, initiating a conversation with our team at FNBCC is crucial. We will guide you through the application process, ensuring compliance with SBA guidelines and tailoring a solution to fit your business needs.
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.
We take pride in offering small business loans with transparent and borrower-friendly terms. One key feature that sets our loans apart is the absence of balloons, covenants, call provisions, or future fees. This means that, unlike some other financing options, our loans provide certainty and clarity, allowing businesses to plan and manage their finances without the uncertainty of unexpected terms or additional costs. We believe in offering straightforward and flexible financing solutions to support the success of your business.
We serve a wide range of industries nationwide, including:
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.
We take pride in offering small business loans with transparent and borrower-friendly terms. One key feature that sets our loans apart is the absence of balloons, covenants, call provisions, or future fees. This means that, unlike some other financing options, our loans provide certainty and clarity, allowing businesses to plan and manage their finances without the uncertainty of unexpected terms or additional costs. We believe in offering straightforward and flexible financing solutions to support the success of your business.
We serve a wide range of industries nationwide, including:
Join the FNBCC family today and experience a true partnership dedicated to your success. As your financial ally, we're committed to helping you throughout the life of your loan.
Whether you're seeking funds for Business Acquisitions, Partner Buyouts, Franchise Startups, Commercial Real Estate, or another venture, FNBCC Small Business Lending is here to guide you.
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