Get the banking relationship, services, technology and conveniences that make banking easier and better for your business.  It's just how we think about banking and customers here at 1st National Bank - customers first.  Our promise to help you Bank your bestTM  is part of it.  Being everything you need and want, is being the best bank we could ever be.

Small Business Administration Loans

We are an approved Small Business Administration (SBA Loan) lender in the greater Cincinnati Area  Loans guaranteed by the SBA range from small business loans to large capital loans and can be used for most business purposes.  Some small business administration loan programs set restrictions on how you can used the lending funds, so contact us to to help match you with the right loan for your business needs.

Eligibility Requirements

  • Be a for-profit business.
  • Be physically located and operate in the U.S.
  • The business owner must have invested their own time and money into the business.


  • SBA loans have rates and fees that are comparable to non-guaranteed loans.
  • Counseling and education are available through the SBA.
  • Lower down payments.
  • Reduced collateral requirements.


  • A business plan.
  • A satisfactory credit history.