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    • Power icon

      Access to funds when you need them

    • Cycle icon

      Flexibility to borrow over and over

    • Stack of Money

      Only pay interest on the amounts you use

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      No need to tie up your assets as collateral

  • Borrowing Power at Your Fingertips

    Most businesses experience times when they need cash for unanticipated expenses. A flexible solution for managing these situations is an Unsecured Line of Credit from FNB1. Whether you need quick access to credit in order to buy equipment, fund the update of your office space, or purchase inventory, an Unsecured Line of Credit may be the solution for you.

    How an Unsecured Line of Credit Works

    An Unsecured Line of Credit is a pre-approved credit line that you use as needed and then repay the balance as you are able. With this type of short-term financing option, you can borrow, repay, and borrow again up to your credit limit as your borrowing needs change. As with any line of credit, you only pay interest on the outstanding balance.

    Why First National Bank?

    The loan experts at FNB offer a comprehensive set of credit solutions for all your financing needs. And since we are locally-based, you have access to the decision makers. Our Relationship Managers have broad and diverse industry experience and can help you with creating financing and credit solutions that work best for your business.

    Key Features:

    • Flexibility to borrow as needed - repay - and borrow again up to your credit limit2
    • You only pay interest on the amount you use
    • You can pay down the line as you are able
    • No need to tie up your assets as collateral
    • Customized solutions for your needs

    Good For:

    • On-demand funding for unexpected expenses
    • Short-term financing
    • Managing cash flow for seasonal or cyclical businesses
  • Applying for an Unsecured Line of Credit:

    Our objective is to make the borrowing process simple and straightforward. You can begin by adding this product to your bag. During the checkout process you can select the option to set up time to meet with one of our experts.

    Required Identification:

    Depending on your type of organization, we may need one or more of the following documents when opening your account. These may include:

    • Department of State printout of business registration/Government-issued business license
    • CPA-signed tax return
    • Articles of Incorporation or Articles of Organization
    • Bylaws or Operating Agreement
    • Partnership Agreement

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Notices & Disclosures

1 - All loan products are subject to underwriting/credit approval

2 - During the draw period

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