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Commercial Lending

Custom needs require custom solutions.

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Strategic Relationships and Solutions to Help You Grow

Growing and maintaining a successful business requires the right mix of ambition, dedication, strategy and relationships.

Our Commercial team can deliver you a set of comprehensive banking solutions with a client centered approach that will help you achieve your long-term goals.

Commercial Insights

Five Trends Impacting the Payment Industry
Reduce Risk with Global Solutions

Can Your Payments Platform Keep Up with Consumer Demand?
Managing Foreign Currency Risk in a Volatile Global Market
Three New Trends in Agribusiness

Swipe or Drag
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Lines of Credit

The day-to-day grind of operating a business can sometimes stress your cash flow. Things like maintaining your inventory, paying your employees or fulfilling your vendor requirements requires quick access to cash. With an available Line of Credit to support your needs, you’ll feel secure in withstanding economic ups and downs and feel prepared to take action on your unexpected needs.

Contact a Commercial Banking Relationship Manager today to see how a Line of Credit or Letter or Credit can help you with a variety of business needs.

  • Fluctuations in inventory
  • Extending your business payment cycle
  • General operating needs
  • Meeting unexpected cash needs
  • Maximizing trade discounts
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Equipment and Fleet Financing

Your business may thrive on determination, but it also runs on wheels, machinery, state of the art equipment and get-the-job-done tools. The productivity of your workforce drives the profitability of your bottom line. That’s why our team is prepared to get your business equipped to run more efficiently.

Financing options are available across multiple industries and range in single unit purchases to financing solutions for fleet needs.

Contact a Commercial Relationship Manager today for tailored solutions, payment terms and loan to value options.

  • Trucks, trailers, buses, vans, specialty vehicles
  • Manufacturing Equipment
  • Construction Equipment/Heavy Equipment
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Acquisition, Growth Business Succession Financing

From the first time you set your sights on the future of a new business venture, to hiring your 100th employee or investing in the next generation of leadership that will take your business to levels you never dreamed, our team has the experience and the industry expertise to help make your transition be seamless.

When it’s time for a new direction, purchasing a new business or preparing to transition to new ownership, we have solutions to fit your needs.

Contact a Commercial Relationship Manager today for additional details.

  • Bolt-on and strategic acquisition financing
  • Business succession planning and family transition
  • Employee Stock Ownership Plan (ESOP) Financing
  • Enterprise value lending or cash flow based lending
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SBA Loans from a Preferred Lender

Fuel your entrepreneurial fire with the power of a Small Business Administration (SBA) Preferred Lender. Only the most active and knowledgeable banks qualify for the SBA’s Preferred Lender Program, and at First National Bank we believe it’s our 160 year history of supporting business that helped us achieve this ranking. Helping communities grow and thrive is one of our highest goals and allows us to offer you a streamlined and expedited SBA Lending process.

With the backing of the SBA, you can access capital with less money down, lower rates, beneficial terms or extended repayment structures. Loan proceeds can be used to push your business forward with any of the following uses:

  • Working capital
  • Equipment and inventory
  • Commercial real estate purchases
  • Business expansion or renovation
  • Franchising financing
  • Exporting needs

Commercial Real Estate

Providing solid foundations for business growth.

Commercial Card

Efficiency. Control. Bottom-line focused Commercial Card solutions.

Online & Mobile Solutions

24/7 Access for the 24/7 Business.

Business Services

HR and Technology Solutions to support your business.

Business Spotlight | SGH Redglaze Holdings, Inc.

"When we were exercising our purchase options, we needed a very strong bank behind us because SGH Redglaze Holdings was highly leveraged. First National Bank stuck with us, and since then, they’ve done everything to help us grow."

- Dean Jessick, CEO

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