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James Cornett
Vice President
Chief Credit Officer
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Contact James Cornett for more information on Commercial Loans.
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Whether your Commercial Loan needs are big or small, FNB has a loan program to tailor the smallest to the largest business. Our Commercial Lending Officers are ready to serve you.
Business Loans
Business Loans available at FNB:
Business Lines of Credit:
(secured and unsecured)
To finance the seasonal capital needed during peak business periods of our customers.
Business Term Loans:
Term loans are made primarily for the financing of equipment, but there are other purposes for which term loans may be made to the businesses. Some of the more common term loan purposes include:
- Expansion or modernization of a business
- Purchase of a business
- Refinancing of present debt
- Replenishing working capital depleted by a previous business expansion
Terms are designed to fit the needs of the customer and the depreciation schedule of the assets being financed.
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Bob Kidwell
Loan Officer
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Contact Bob Kidwell for more information on SBA and FSA Agricultural Loans.
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SBA Guaranteed Loan Program
Small Business Loans up to $100,000 (loan program is called LOW DOC)
The Low Documentation Loan Program is designed to streamline the loan application process.
This program is for loans up to $100,000 to small businesses having average annual sales under $5 million and total employees under 100.
FSA Agricultural Loans
Farm Ownership: Purchase of real estate, real estate improvements and refinancing debts.
Operation Loans: Purchase of livestock and equipment.
FNB has a full range of Business Checking and Savings Accounts to meet the needs of the smallest to the largest business customer. Our Customer Service Representatives are eager to serve your business deposit needs.
Kaye Flanagan
New Accounts Supervisor |
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Sheila Spring
Customer Service Representative
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Contact Kaye Flanagan or Sheila Spring for more information on any of our business checking accounts
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Small Business Checking Accounts
FNB offers FDIC insured small business checking accounts designed to meet your business needs.
Small Business Basic Checking
With "Small Business Basic Checking" you can write as many checks as you like, there are no per check fees. In addition there are no monthly maintenance fees. Minimum deposit of $50.00 to open.
FNB offers the following additional services:
- Christmas Clubs
- Traveler's Checks
- Cashier's Checks
- Money Orders
- Direct Deposit
- Bank-By-Mail
- Merchant Bank Card Services
- Utility Payments Accepted
- Insurance Services
