Small Business Lending

Small Business LendingSmall Business Lending

Small businesses are critical to sustaining our local communities. First National 1870's small business lending experts are here to help you identify the right credit tools for your business.

From credit cards to conventional loans and U.S. Small Business Administration (SBA) loans, we’ll make possibility a reality for your business. We are not just small business loan experts, we are local experts here to consult with you and help you succeed. Talk to us if you need working capital to realize your business plan or increase cash flow. We’ll walk you through the loan application and help you understand the credit score and other factors that might impact payment terms and interest rates.

Credit Cards:

Our Visa® Business credit card offers a great way to see a consolidated picture of your company’s spending. You designate who receives a card-- we track the expenses and provide the reporting. Best of all, our card features no annual fee, a reasonable rate, and no balance transfer fees. You have a business to run and we have the credit card to help you do it. Discover the benefits of added purchasing power and the convenience of a Visa® Business credit card today.

Conventional Loans:

Our consultative approach to lending ensures that you get the right financing to meet your specific business goals. Our team is proud of the expertise that comes from living and working in your community, so you benefit from locally-informed decisions and a local relationship partner. Perhaps you want a line of credit that enables you to spend money as needed, or a term loan to finance long-term asset purchases. Either way, First National 1870 offers financing that is flexible, convenient, and helps keep your business profitable in a competitive market. And, if you are a medical or professional practice, ask about specialized programs designed just for you.

SBA Loans:

First National 1870 can help your small business grow by providing financing with terms better than most conventional loan products. We partner with the U.S. Small Business Administration (SBA) to help qualified borrowers in this program. Longer payment terms that lower monthly expenses, and smaller down payments that reduce upfront costs are some benefit options offered with this type of loan. Your local relationship manager will engage with our specialized SBA lending team (with over 110 years combined direct SBA lending experience) to make sure we structure the best SBA-backed loan to fit your needs.