As the SBA's primary program for providing financial assistance to small businesses, the SBA 7(a) Loan is one of the most flexible commercial loan products available today. With loans up to $5 million, proceeds can be used for a wide variety of purposes including the purchase of owner-occupied commercial real estate, business acquisitions, partner buy outs, leasehold improvements, machinery & equipment, furniture & fixtures, working capital, franchise fees, and business startup expenses.
With our SBA 504 loan option, you can fund project sizes up to $10 million to be used for major capital investments, such as acquiring commercial real estate, expanding facilities, or purchasing substantial equipment, all while enjoying below-market, fixed interest rates that foster stability and predictability in your financial planning. Additionally, you'll experience the advantage of minimal down payments and extended repayment terms, allowing you to preserve crucial working capital for day-to-day operations and strategic initiatives.
Experience the convenience of a simplified application process and accelerated loan approvals. Like the 7(a) loans, our SBA Express Loan solutions cover a wide range of purposes, as well as revolving lines of credit. With a maximum loan cap of $500,000 and a swift turnaround, this funding is ideal for businesses seeking to enhance working capital, scale operations, or make investments in new equipment. And like all of our SBA loan programs, borrowers enjoy consistently competitive interest rates and flexible repayment terms.
Designed to support businesses operating in rural communities, the United States Department of Agriculture's Business and Industry Guaranteed Loan Program (USDA B&I Loans) offers a range of benefits, including flexible terms, competitive interest rates, and an expansive scope of eligible purposes. Whether you're looking to construct or improve facilities, purchase equipment, or refinance existing debt, this loan program provides a pathway to financial success while fostering economic development in rural America.
Longer, Flexible Terms
No Loan Covenants or Balloons
Lower Monthly Payments
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.
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.
