Loans

First National Financial Statement (.pdf format)

Commercial Loans

• Variable and fixed rate with secured or unsecured terms available
• Loans can be used for: 
  • Financing the permanent or temporary needs of the company
  • Expansion or replacement of physical structures or equipment
  • Short or long-term financing of vehicles, new product introduction, debt restructuring, permanent working capital or leasehold improvements
  • Refinancing, purchasing or construction of commercial real estate

Revolving Lines of Credit

• Variable and fixed rate lines of credit are available on a secured or unsecured basis for ready access to funds
• Lines can be used by businesses for short-term financing of working capital, seasonal needs, supplies or any unplanned expenses
• Companies can also utilize a line to protect against overdrafts on their business checking account

Business Credit Cards

Our Business Advantage cards save you money. As with any MasterCard, the Business Advantage card means worldwide acceptance.

Business Advantage is a financial and cash management tool. It can be used to pay for anything from office supplies to airline tickets, hotel accommodations, car rentals and much more. This is the only card you will ever want to use while shopping, dining or entertaining.

You can ask for a detailed monthly, quarterly or annual management information system report that consolidates spending by merchants. This lets you negotiate more favorable travel and entertainment rates from hotels and airlines, track business related expenses and simplify your tax preparation.

You can pay in full each month, or you may revolve and pay a minimum monthly payment of only 3% of the outstanding balance.