FNB Bank, Inc.
FNB Bank, Inc. is an active SBA lender in Kentucky, a bank offering SBA-guaranteed small-business loans. Currently rated 4.5 stars across 25 Google reviews.
$20M
in SBA approvals since 2010
78
SBA loans funded
Hotels & Lodging · Restaurants & Food Service · General Retail
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About FNB Bank, Inc.
FNB Bank, Inc. offers comprehensive SBA lending services tailored to small businesses seeking financial support for growth, expansion, or operational needs. With a focus on small business financing, they provide a variety of loan options including SBA 7(a) loans, which are ideal for working capital, equipment purchases, and real estate acquisitions. Their experienced lending team works closely with clients to understand their unique needs and craft suitable financial solutions, ensuring a smooth application process. Located in Mayfield, Kentucky, this bank is committed to supporting local entrepreneurs and businesses with personalized service and competitive rates. They have a strong track record of approving large loans, with approval amounts reaching up to $1,395,000, demonstrating their capacity to handle substantial financing requests. Whether you're a startup or an established business, FNB Bank, Inc. is positioned to assist with your SBA financing needs, leveraging their deep understanding of SBA programs and local market conditions. Their team is dedicated to helping businesses succeed by providing flexible terms and expert guidance throughout the lending process.
Industries FNB Bank, Inc. finances
Business types FNB Bank, Inc. actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about FNB Bank, Inc.
What is this place and what can I find here?
This is a local SBA lender offering small business financing options, including SBA 7(a) loans, to support business growth and development in the Mayfield area.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to meet with their lending specialists, but walk-ins may be accommodated depending on availability.
What are the hours of operation?
The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with appointments available outside regular hours upon request.
Is there a fee to use this?
There are standard application and closing fees associated with SBA loans, but no additional usage fees for accessing their services.
Who is this open to — anyone, or only residents/members?
This lender primarily serves small businesses in Kentucky, but eligibility is based on business criteria rather than residency alone.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally required for guarantors applying for SBA loans.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes 30 to 60 days, depending on the complexity of the loan and completeness of application materials.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and FNB Bank, Inc. typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call FNB Bank, Inc. to confirm current weekend availability before you go.
How do I get there and where do I park?
FNB Bank, Inc. is located in Kentucky — 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 FNB Bank, Inc., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by FNB Bank, Inc. itself, which runs its own lending under its own ownership. If you work at FNB Bank, Inc., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for FNB Bank, Inc. — 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 FNB Bank, Inc. before applying. If you represent FNB Bank, Inc., claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach FNB Bank, Inc. by phone at (270) 247-1352 or online at growwithfnb.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 FNB Bank, Inc. before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, FNB Bank, Inc. most often finances businesses in restaurants & food service, general retail, medical practices & clinics, and construction & contractors. This reflects FNB Bank, Inc.'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 FNB Bank, Inc. which sectors 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 FNB Bank, Inc. participates in SBA Express depends on its specific SBA lending authority. Contact FNB Bank, Inc. 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. FNB Bank, Inc. 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. FNB Bank, Inc.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask FNB Bank, Inc. 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 FNB Bank, Inc. 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 FNB Bank, Inc. 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 FNB Bank, Inc. 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. FNB Bank, Inc. weighs this case by case under its own policy, so be upfront about your history and ask FNB Bank, Inc. how it evaluates prior bankruptcies.
