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Behind Your Business

Since 1864, FNB has stood behind our clients, guiding businesses of all industries and sizes through every challenge. Over that time, we've developed deep expertise in helping companies succeed by offering a full suite of services — including cash management, merchant services and flexible lending solutions. Find out why so many businesses rely on FNB for responsive service, personal guidance and powerful financial solutions.

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Taking Care of Business

It’s no secret that business owners are busy people. Time is their most precious asset. At FNB, we understand and want to help. That’s why we have brought the convenience of an online application to those businesses looking to utilize their company assets to provide additional working capital or help fund their rapid growth with an Asset Secured Loan. It’s fast, convenient and saves time. It’s just another way FNB is taking care of business – your business.

Flexible Options to leverage assets to fund your business needs.

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Small Business Banking

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An award winning bank for businesses

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Our Clients' Stories

View and read testimonials from our small business customers who needed a bank to stand by them, and got the help they deserved.

Helping Growing Businesses Thrive

Flippin Jays was looking for a partner to execute a bold growth strategy. FNB had the solutions, capital and expertise they needed.

"Banking with First National Bank is done with ease, thanks to our amazing banker. FNB offers an array of products and services that fit our business needs. We are always kept up to date on all of the products and services they have to offer.”

Jeremy Haney
Flippin Jays

Looking for a financial partner who’s as invested in the success of your business as you are? We’re ready when you are. Let’s Get Started.

A Banking Relationship That Feels Like Family

To grow their family-owned business, Stevens Septic Service needed a dedicated and responsive partner. FNB treated them like family.

"I have been banking for around 45 plus years at different banks. FNB bought the bank we were previously banking at. Since I have been banking at FNB, the management has bent over backwards for us. Our company has grown in the past few years because of FNB. The management and staff that I bank with in Union County, Monroe, NC, are very friendly and courteous. They treat you like family. They have always been there for us!! I am proud to do my banking with such a team at FNB.”

Terry Stevens
Stevens Septic Service

FNB understands the passion and hard work that goes into family-owned businesses. We’re here to lend a hand. Let’s Get Started.

Helping Minority-owned Businesses Thrive

To grow in an underserved community, W.M. Smith McNeal Funeral Home needed a true partner. They found one in FNB.

“In 2020, we had hopes of relocating our firm to a bigger and better location. Thanks to First National Bank, the major purchase of our new location went without a hitch the following year. The professionalism and friendliness of their bankers persuaded us to move all of our accounts to First National Bank. We are excited for our future relationship with everyone at First National Bank.”

Bryan McNeal, Jr.
Smith-McNeal Funeral Home

We’re proud to provide financial solutions that set businesses up for success. Get in touch with a team who’s just as committed to helping you succeed. Let’s Get Started.

A Bank That Thinks as Big as You Do

Cardinal Industrial Holdings had a vision other banks could not see. FNB helped them realize it.

"I formed Cardinal Industrial Holdings in May 2019 and acquired the two companies. Although IMS was 14 years old and well-established; the company’s current bank did not want to partner with the new entity. Thus, I was forced to seek out a new banking partner. My acquisition team introduced me to FNB. They immediately did a deep dive into our needs and focused on understanding who we were, what we needed and where we planned to go. FNB provided us with the financial toolbox to launch the acquisition as well as set our growth strategy in motion. We closed out 2021 by setting a historical company record in sales revenue. Thank you, FNB team, for having confidence in us and serving as a financial pillar to our success!"

Darin Smith
Cardinal Industrial Holdings

Our team works to understand not only your operation, but also your vision for the future. We’d love to help you get there. Let’s Get Started.

Read More Small Business Customer Testimonials

Find more examples of small business customers who have allowed FNB to be part of their success.

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Notices & Disclosures
  • NMLS #766529
  • SBA Lender
  • Some applications may require further consideration and additional information may be requested. Credit terms are subject to approval.
  • Normal credit standards apply. Maximum amount of credit is subject to SBA Program limitations.

1 - Insurance products are sold by First National Insurance Agency, LLC and its licensed agents. Insurance products are: 

Not FDIC Insured No Bank Guarantee May Lose Value
Not Insured by Any Federal Government Agency Not a Bank Deposit


Subject to investment risks, including loss of principal amount invested. First National Insurance Agency is a subsidiary of F.N.B. Corporation.

2 - Member FDIC

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