Business & Specialty

Business & Specialty

advisory team at the tableFor nearly 150 years, First National 1870 has partnered with business owners to help them accomplish their financial and growth goals. We have worked with businesses of various sizes, from entrepreneurial startups to established corporations in a range of industries.  Regardless of the scope of your operations, we have the knowledge and financial services to turn dreams into reality. First National 1870 is large enough to serve you with cutting edge financial products and services, but we still believe that what sets us apart are the wonderful relationships that we have built with our customers over the years.
 
As modern as the world gets, nothing is as important as maintaining our local, community bank feel, where our people know your name and family. We will never abandon the belief that the success of our customers’ businesses must be our primary focus. It has always been our goal to provide the tools and resources our customers need to realize their financial aspirations.     
 
Over the years, we have taken the time to truly get to know our customers’ businesses, inside and out. We still roll up our sleeves with you to understand your unique business challenges, so we can offer you the right products and services you need to grow. Your business banking relationship will be managed by local people whom you know by name, see in the local restaurant, grocery store or at parent-teacher night. You can rest easy knowing that your financial partner at First National 1870 will always be a great fit for your type and size of business. 
 
Our dedicated and experienced financial professionals will help you answer the right strategic questions as it relates to growing your business. We’re a bank who is willing to have the hard conversations, but also willing to advise and be a partner for the future. Questions to consider:

  • What are my short- and long-term goals?
  • What challenges do I face now or in the future?
  • Should I own or rent my operations building?
  • What banking services/products would best help me?
  • Is this the best time to expand my organization?
  • Should I purchase or lease equipment – New or used?
  • Is a conventional loan or one through the SBA the best option?

The answers to these questions will be different for every business, but once completed, our banking team can customize a financial solution for you. Through a variety of strategies and banking products, we can tailor a financial solution that is right for your operation. We can help create efficiencies and streamline your operations through our Treasury Management solutions. If financing is what you need, we offer commercial term loans, lines of credit, acquisition financing, and more. First National 1870 has the solutions perfectly suited to your needs. In addition, unlike many community banks, we have specialty finance experts with structured and public finance experience, as well as in-depth, tax-exempt policy knowledge.
 
If you happen to be in the healthcare industry, you could qualify for special loan terms, as well as consultation on practice growth, acquisition and succession planning. For startups and entrepreneurs, we offer financial tools such as credit cards and SBA loans to help you prepare to grow your organization. 
 
We strive to be truthful, sincere, and candid. We aim to help you balance ambition with reality, being an honest partner every step of the way. No matter the size or type or your business, First National 1870 has the financial products and services to meet every need. We believe that developing strong, local relationships with our valued customers is what sets us apart from any other business banking institution. No matter what kind of business you are in, forming sincere and lasting relationships is fundamental to your growth and success. For nearly 150 years, First National 1870 has believed that our success has been based on the fact that we care about people and their business dreams. Come see us today to learn more about how we plan to stay true to these principles for the next 150 years.