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    • Security icon

      Available as a secured or unsecured line

    • 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

  • Solutions For Managing Your Cash Flow

    We understand that there are times when immediate cash needs exceed current cash flow. A flexible solution for managing cash flow is a Working Capital Line of Credit from FNB1. Whether you need to build inventory for the holiday shopping season or you have payments due and need to bridge those payments and your accounts receivable, a Working Capital Line of Credit may be the solution for you.

    How a Working Capital Line of Credit Works

    A Working Capital Line of Credit is a pre-approved credit line that you use as needed and then repay the balance as your cash flow strengthens. With this type of short-term financing option, you can borrow, repay, and borrow again up to your credit limit as your cash flow 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 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:

    • We offer lines of credit that are secured by collateral or unsecured
    • 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 when your cash flow increases
    • Customized solutions for your needs

    Good For:

    • Short-term financing
    • Managing cash flow for seasonal or cyclical businesses
  • Applying for a Working Capital 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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