Commercial Lending

Talk to a commercial lending professional today.

Our collaborative approach ensures that you will receive financing tailored to your specific business goals. In addition, we have the expertise to handle all aspects of the lending process in-house, resulting in quick and flexible credit solutions.

Lines of Credit

Rely on lending experts who understand what drives cash flow in your business, and can anticipate how your plans may require a short term cash infusion or pre-approved funds to make opportune business purchases.  A pre-approved line of credit enables you to negotiate pricing and make purchases without application and processing delays. We can provide financing that is flexible and convenient to help keep your business profitable in a competitive market.

  • Credit solutions to cover your daily and future needs
  • Custom financing with flexible terms
  • Locally informed decision making and market expertise
  • Specializing in large and complex credits

Amortizing Term Loans

Maintain a healthy business posture by financing long-term asset purchases such as real estate, equipment, rolling stock or office systems. We specialize in unique structuring to ensure maximum profit gain and minimal impact on working capital.

Commercial Real Estate Loans

We specialize in financing for the purchase or refinance of all types of commercial real estate. Our expert lending professionals will guide you through the process and help you optimize your financial structure.

  • Office/warehouse space
  • Retail stores and shopping centers
  • Apartments and multi-family buildings
  • Motel and hotels
  • Self-storage facilities
  • Mixed use property

Construction Lending

With our vast knowledge and experience, we can simplify the complex construction period for you. We'll help you monitor your construction costs, have professional construction inspections performed monthly, and disburse your funds with diligence and care using lien waivers and payments directly to the subcontractors.

Mortgage Warehouse Lending

First National 1870’s mortgage warehouse lending program provides lines of credit to mortgage banks to finance the origination of mortgage loans. First National 1870 finances the mortgage loan from the time it is originated until the mortgage loan is sold to an investor in the secondary market. We focus on delivering excellent customer service and addressing the individual needs of our mortgage warehouse clients. For more information, contact Haley Merritt, Assistant Vice President at 915-881-6735.