First National Community Bank

This is a financial institution offering SBA loan programs and business financing services, helping entrepreneurs and small businesses secure funding for growth and expansion.

It is recommended to schedule an appointment to meet with a lender, but walk-ins are also welcome during business hours for initial inquiries.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday.

There are standard SBA loan application and processing fees, which vary depending on the loan amount and terms.

This bank primarily serves local residents and businesses in Georgia, but SBA programs are available nationwide through their support.

A minimum personal credit score of 620 is generally required for SBA loan eligibility.

The underwriting process typically takes between 30 to 45 days, depending on the complexity of the application and completeness of documentation.

First National Community Bank is typically closed on weekends, though select branch locations offer limited Saturday drive-thru hours from 9:00 AM to 12:00 PM. Contact First National Community Bank to confirm weekend availability for SBA lending staff.

First National Community Bank is located in Georgia — 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.

This page is an independent directory listing for First National Community Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First National Community Bank itself, which runs its own lending under its own ownership. If you work at First National Community Bank, you can claim this listing from this page to manage it.

The core details for First National Community Bank — 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 Community Bank before applying. If you represent First National Community Bank, claim this listing to keep its information up to date.

You can reach First National Community Bank by phone at (706) 695-9646 or online at fncbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with First National Community Bank before relying on them.

Based on its approved SBA loans, First National Community Bank most often finances businesses in restaurants & food service, hotels & lodging, gas stations & convenience, general retail, wholesale & distribution, and cleaning, landscaping & janitorial. This reflects First National Community Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with First National Community Bank which sectors it actively lends to before you apply.

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 Community Bank participates in SBA Express depends on its specific SBA lending authority. Contact First National Community Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

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 Community Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

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 Community Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First National Community Bank directly whether it considers start-up loans.

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 Community Bank what down payment it expects for your specific commercial real estate purchase.

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 Community Bank to spell out any prepayment penalties before you sign.

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 Community Bank to confirm it qualifies and how to document it.

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 Community Bank weighs this case by case under its own policy, so be upfront about your history and ask First National Community Bank how it evaluates prior bankruptcies.