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The First National Bank of Vinita, Grove, & Cleora | Full-Service Banking

Business Loans

FNB Commercial and Business Loans

Our customers know they can depend on the First National Bank for business financing. Whether you need construction financing or are buying real estate, purchasing new equipment, or looking for working capital, or a term loan, our streamlined credit approval process gives you quick and efficient options for your financing needs.

When your business is growing and you need capital, don’t let anything get in your way. Get the capital your business needs from the bank you trust. You can now request a loan online with our simple and secure Commercial Lending Center. Less paperwork. Less hassle. Why wait?

It takes just a few minutes to start your business loan request. Simply give us information you, your business, what you need, and get the response you need immediately. If your need doesn’t fit the scope of FNB Vinita, we can put you in touch with our nationwide network of financing connections to fulfill nearly any type of request.

Click on each Business Loan type, below, for more information:

Business Expansion

FNB can provide financing to assist with acquisition of another company or buyout of existing shareholders. The amortization period, loan pricing and other terms will be based on the type of collateral pledged.

Commercial Real Estate

If you are looking for financing for the construction or purchase of commercial real estate, our experienced commercial bankers will work with you one-on-one to find the ideal solution to meet your financing needs. We offer creative and customized solutions for a variety of commercial real estate property types.

Company Assets

FNB has financing to provide you with that next piece of equipment or asset for your company. Loan terms can often be set to correspond with the life of the asset and repayment can be structured to optimize your cash flow.

Cash Flow

We offer flexible and revolving lines of credit that can be structured to meet the specific needs of your business. Lines of credit are a convenient way to finance seasonal cash needs, receivable or inventory financing or other short term cash flow needs. These loans are typically 12 months and renewed annually.

We also offer bank-based accounts receivable financing for small businesses that may need short-term working capital. The BusinessManager® program supports the pace and needs of your business by depositing cash into your operating account every time you submit an invoice – giving you quick access to the money you're owed.

Alternative Lending

If your need doesn’t fit the scope of traditional bank lending, we can put you in touch with a nationwide network of financing options to fulfill nearly any type of request.

Meet Our Commercial Lenders

FNB Commercial Lender - Matt Carnes
Matt Carnes
FNB Grove
(918) 786-8852
FNB Commercial Lender - Tony Fritz
Tony Fritz
FNB Vinita
(918) 256-7900
For more details or to schedule an appointment, please call one of our commercial lenders.