Credit & Loans

Business Loans

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Applications are READ ONLY and cannot be submitted online, please print the application and submit it in person.

First National Bank in Fairfield has a strong history of community commitment as evidenced by our long-standing commercial customer relationships. Our experienced lending officers and staff look forward to demonstrating this commitment by helping tailor our varied products to meet your commercial financing needs.

Term Loans - The business borrower, no matter how large or small, is important to us! We can provide intermediate financing for operating capital, equipment purchases, or other fixed assets. Your Commercial Lender will see you personally and will be able to understand your business and you! We can tailor your payment terms to fit your business needs which will allow you greater financial flexibility.

Revolving Lines of Credit - Does your business experience seasonal fluctuations? A First National Bank Revolving Line of Credit offers short-term financing for purchasing inventory, taking advantage of trade discounts, funding bulges in accounts receivable or meeting other short term cash flow needs.

Commercial Real Estate Loans - Are you expanding your current business or starting a new business? First National Bank can handle all of your financial business needs including real estate acquisitions, expansions, or improvements.

Rental and Investment Real Estate Loans - Do you want to diversify your investment portfolio to include rental property? First National Bank can assist you in the analysis of your potential rental project. We provide financing to investors for single and multi-family dwellings as well as other commercial buildings.

Lending Programs

Small Business Administration Loans (SBA). The SBA is a federal government agency designated to assist small businesses to start up and continue in business by guaranteeing a percentage of a bank loan to a borrower. We are very proud of the number of small businesses that we are able to assist through the SBA program. For more information about the SBA, visit their website at:

Loans (IBGC/504). The IBGC/504 is a cooperative effort between the public and private commercial sectors designated to stimulate commercial and industrial expansion by creating financing for eligible products. Loans, as a rule require 10% equity by the small business, 40% financing through an IBGC debenture which is guaranteed by the SBA up to their maximum, and 50% financing by our bank.

Letters of Credit
Letters of credit are available to obtain the credit you need, including international letters of credit through major correspondent banking relationships for guaranteeing payment of your purchase of foreign goods or ensuring that your business will be paid for your company exports.


Don't forget the extras!

Getting your FNB account is just the beginning, don’t forget these extras to make your experience more rewarding!