First National Bank USA
First National Bank USA is an active SBA lender in Louisiana, a bank offering SBA-guaranteed small-business loans. Currently rated 2.9 stars across 8 Google reviews.
About First National Bank USA
First National Bank USA offers comprehensive SBA lending solutions tailored to small and medium-sized businesses seeking financial growth and stability. With a focus on supporting local entrepreneurs, the bank provides various loan programs including the SBA 7(a) loan, which is ideal for working capital, equipment purchases, and business expansion. Their experienced team guides clients through the application process, ensuring clarity and support at every step. The bank's commitment to personalized service helps businesses secure the funding they need to thrive. Located in Boutte, LA, they serve a broad customer base, emphasizing community development and economic growth.
Common questions about First National Bank USA
What is this place and what can I find here?
This is a branch of First National Bank USA offering SBA loan programs and business financing solutions designed to support small and medium-sized enterprises in the local community.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
First National Bank USA's main office in Boutte is open Monday-Wednesday 9:00 AM to 4:30 PM (lobby) and 8:30 AM to 4:30 PM (drive-up), Thursday 9:00 AM to 4:30 PM (lobby) and 8:30 AM to 5:00 PM (drive-up), and Friday 9:00 AM to 5:00 PM (lobby) and 8:30 AM to 5:00 PM (drive-up). Confirm current hours with the bank before visiting.
Is there a fee to use this?
There are no fees for visiting the branch; however, loan application and processing fees may apply depending on the services used.
Who is this open to — anyone, or only residents/members?
This branch primarily serves local residents and small business owners in the Boutte area, but SBA loan eligibility extends beyond residents based on business location and qualifications.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is generally required, but higher scores improve the likelihood of approval.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of documentation and loan complexity.
Is this open on weekends?
First National Bank USA offers Saturday drive-up service from 9:00 AM to 12:00 PM at its Boutte and LaPlace offices, but the lobby is closed weekends. Confirm weekend availability with the bank.
How do I get there and where do I park?
First National Bank USA is located in Louisiana — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for First National Bank USA, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First National Bank USA itself, which runs its own lending under its own ownership. If you work at First National Bank USA, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for First National Bank USA — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with First National Bank USA before applying. If you represent First National Bank USA, claim this listing to keep its information up to date.
How do I contact this listing directly?
In addition to the phone number (985) 785-8411, First National Bank USA provides a contact form at https://www.fnbusa.com/contact-us/ and a toll-free number at 1-800-738-8411. Contact them to speak with the business lending team.
What core industries does this commercial bank traditionally choose to finance?
Like most SBA lenders, First National Bank USA can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each bank sets its own industry preferences and may avoid sectors it considers higher risk. Ask First National Bank USA directly which industries it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether First National Bank USA participates in SBA Express depends on its specific SBA lending authority. Contact First National Bank USA and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. First National Bank USA can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. First National Bank USA's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First National Bank USA directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask First National Bank USA what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask First National Bank USA to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with First National Bank USA to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. First National Bank USA weighs this case by case under its own policy, so be upfront about your history and ask First National Bank USA how it evaluates prior bankruptcies.
