Business and Commercial Lending

Your Trusted Business Lending Bank: Streamlined Lending Solutions for Your Business Needs

Do you need long-term or short-term financing options to help you grow your business? We are a business lending bank with lending options that are designed to increase your working capital and offer flexible business loans with low costs.

From day one, you will receive one-on-one service from a dedicated 1st National Bank commercial banker.

Connect with a Commercial Lender

Fast loan processing

Clear communication

Personal service

Real Estate Purchase & Refinance

Real Estate Purchase & Refinance

Are you looking for financing for a commercial real estate purchase or refinance? We understand that securing the right business loan is essential for your success. That’s why we offer competitive rates, flexible terms, and customized solutions to meet your unique needs, whether you need a small business loan or want to manage cash flow more effectively.

  • Experienced loan officers
  • Competitive rates
  • Flexible terms
  • Personalized service
  • Streamlined application process
  • In-house underwriting

Business Lines of Credit

Business Lines of Credit

Whether you need more working capital, a temporary loan, or seasonal purchases, a line of credit from 1st National Bank will expand your company’s financial potential and help you Bank your best.

  • Competitive rates
  • Flexible terms
  • Personalized service
  • Community commitment

Equipment Purchase & Refinance

Equipment Purchase & Refinance

Whether you’re looking to purchase new equipment or refinance existing equipment, we offer competitive rates and flexible terms to help you get the financing you need.

  • Flexible terms to fit your budget and cash flow needs
  • Competitive interest rates to help you save money over the life of the loan
  • Financing for new and used equipment, as well as equipment you already own

Construction & Development

Construction & Development

At 1st National Bank, we understand that businesses need a strong foundation to grow and thrive. That’s why we offer tailored construction and development loans to support your commercial real estate projects. Whether you’re building from the ground up or expanding an existing property, our financing solutions are designed to meet your unique needs.

  • Competitive rates
  • Local expertise
  • Personalized service
  • Fast approvals

Supercharge Your Business Growth with Custom Lending Solutions from 1st National Bank

At 1st National Bank, we’re a lender and your local partner in success. We understand the unique challenges businesses face, which is why we offer tailored business credit solutions to help you manage working capital, navigate seasonal cash flow fluctuations, and seize growth opportunities. With competitive rates, personalized service, and a commitment to your business’s success, you’re more than just a customer – you’re a valued member of our community. Choose 1st National Bank and get the financial support you deserve.

  • Local decision making for fast, personalized loan approvals
  • Flexible terms that align with your business goals and cash flow
  • Competitive interest rates to help you save on financing
  • Personalized service from a dedicated and knowledgeable team
  • Community commitment to supporting  the local economy

Ready to take your business to the next level? Contact us today and let one of our trusted lenders help you out!

Let’s Talk About Your Business

Tell us a little about your business and what you’re looking to accomplish. A member of our commercial lending team will contact you to discuss your financing needs. Our commercial lending services are available exclusively in Butler, Clermont, Hamilton, Highland, Montgomery, and Warren Counties in Ohio. Please do not include Social Security numbers, account numbers, or other sensitive financial information. This form is for inquiries and is not a loan application.

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FAQs

Eligibility for a business line of credit typically depends on factors like your business’s credit history, asset ownership, revenue, and time in operation. At 1st National Bank, we prioritize local businesses and look at your specific needs to determine qualification. We also offer a range of loan options and business banking products to suit various financing needs.

Unlike term loans or other business loans that offer lump sums with fixed repayments, a business line of credit provides revolving access to funds, allowing you to borrow and repay multiple times. This offers greater flexibility, especially for businesses with fluctuating cash flow. It’s one of the best financing options for your business when you need access to cash without long-term debt commitments.

The 2% rule for refinancing suggests that refinancing your loan is worth considering if you can lower your interest rate by at least 2% compared to your current loan. By refinancing, you can potentially reduce your monthly payments, providing you with extra cash flow. This can be especially helpful for managing your business’s working capital or securing additional funds through business lines of credit.

Yes, refinancing an equipment loan is possible, allowing you to adjust the terms, interest rate, or monthly payments to better suit your cash flow or working capital needs. Refinancing may offer a better business line of credit, which could improve your credit limit and business financing opportunities, especially if you’re looking to manage your business’s growth and expenses.

Yes, you can get a loan for working capital, often through a small business line of credit. This type of financing provides easy access to funds to cover operational costs, manage your business’s cash flow, or handle unexpected expenses. Lines of credit offer flexible repayment terms, making them ideal for covering short-term needs without high-interest rates.