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Business Loans

Local Bank. Local Decisions®.

First National Community Bank is a locally owned community bank. We are deeply committed to the success and growth of businesses in our community. As a community bank, decisions are made locally and our banking professionals can handle all your financial needs and provide solutions customized to your unique needs.

We pride ourselves in our experienced staff of familiar local Commercial Relationship Managers and bankers that collectively bring over 340 years of banking experience to serve you and understand your community better than anyone else.

We are proud to offer a full range of competitively priced business and commercial loans that are designed for your businesses' specific needs with prompt, professional service plus the flexibility to customize loans to manage your cash flow or grow your business.

All of our Business Loans come with these great benefits:

  • Competitive Rates (Fixed & Variable)
  • Local Decision Making
  • Flexible Repayment Terms
  • Predicable Monthly Payments or Lump Sum Options
  • Secured and Unsecured Loans Available
  • 100% Financing Available Under Qualifying Terms

Business Lines of Credit

Keep productivity moving with a business line of credit for your operational needs such as inventory, seasonal fluctuations and working capital.

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The funds are available when you need them and as a revolving credit, as the principal is repaid, more funds become available for use. Plus, you only pay interest on the part of credit that is used.

Commercial Real Estate Loans

We offer competitive rates for the purchase, refinance, or construction of commercial properties and owner-occupied or investment properties, plus the added benefit of working with our experienced team who knows your local real estate market.

Equipment Loans

Equipment loans can help keep your business at the top of your game and a step ahead of your competition.

Investment Property Loans

Our Investment Property Loans allow you to purchase or refinance investment properties both for existing properties and new construction.

Small Business Administration (SBA) Loans

Small Business Administration (SBA) Loans are a great tool for both established and start-up businesses to increase purchasing power and offer the ability to refinance.

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SBA Loans generally offer lower payments and extended terms for a variety of business needs, such as: Commercial real Estate Purchases, Business Acquisition, Construction, Equipment, Expansion and Working Capital. We have several SBA lending options available:

  • 7aSBA
  • 504 SBA
  • USDA Business and Industry Loans
  • Business Lines of Credit
  • Term Loans
  • Working Capital

Our Loans Offer:

  • Competitive Rates
  • Fixed Variable Rates
  • Flexible Repayment Terms
  • Predicable Monthly Payments or Lump Sum Options
  • Secured and Unsecured Loans Available

Apply for your Business Loan today!

Contact your local Commercial Relationship Manager or your local branch to speak with one of our lending professionals.

Adairsville - SBA Lender

Bill Holmes NMLS# 509306  (713) 410-1047 / Email Bill


Jerry Chatman NMLS# 810997 (706) 307-7192 / Email Jerry

Brenda Bowling NMLS# 663967 (706) 307-7189 / Email Brenda


Jerry Dennis NMLS# 1613704  (770) 387-5513 / Email Jerry

Racquel Patterson NMLS# 955737  (770) 387-5501 / Email Racquel

Daniel West NMLS# 1140908  (770) 387-5506 /  Email Dan


Julia Baggett NMLS# 733034 (706) 422-5111 / Email Julia

Benjamin Longley NMLS# 1760592  (706) 422-5102 /  Email Ben


Rex Rutledge  NMLS# 433044  (423) 999-0065    Email Rex

Kitty Griffith  NMLS# 711179  (423) 304-2473 / Email Kitty

Dalton (Northgate Drive)

Gary Middleton NMLS# 732453  (706) 712-0560 / Email Gary

Dalton (Thornton Avenue)

Brad Ramsey NMLS# 1895133  (706) 715-0551 / Email Brad


Alex Crenshaw NMLS# 1306143 (678) 708-1600 / Email Alex

Jason Faulkner NMLS# 679594 (470) 567-8959 / Email Jason


Beth Summer NMLS# 684353 (706) 378-3975 /  Email Beth

Clem Trammell NMLS# 793106  (706) 413-4185 / Email Clem


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