First Northern Bank of Dixon

This is a community-focused bank offering SBA lending services, small business financing, and personalized banking solutions to support local entrepreneurs and businesses.

It is recommended to schedule an appointment for SBA loan consultations, but walk-ins are also welcome during business hours for general banking needs.

The bank operates from 9:00 AM to 5:00 PM, Monday through Friday, with additional hours available by appointment.

Fees may apply for certain banking services and loan processing, but there is no fee simply to access the bank's general services.

This bank primarily serves residents and small business owners within the Dixon community and surrounding areas.

A minimum personal credit score of 640 is generally required, though higher scores may improve approval chances.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the loan and completeness of application materials.

Most banks keep weekday business hours and are closed on weekends, and First Northern Bank of Dixon 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 First Northern Bank of Dixon to confirm current weekend availability before you go.

First Northern Bank of Dixon is located in California — 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 Northern Bank of Dixon, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First Northern Bank of Dixon itself, which runs its own lending under its own ownership. If you work at First Northern Bank of Dixon, you can claim this listing from this page to manage it.

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

You can reach First Northern Bank of Dixon by phone at (707) 678-4422 or online at thatsmybank.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 Northern Bank of Dixon before relying on them.

Based on its approved SBA loans, First Northern Bank of Dixon most often finances businesses in construction & contractors, general retail, medical practices & clinics, gas stations & convenience, and legal services. This reflects First Northern Bank of Dixon'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 Northern Bank of Dixon 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 Northern Bank of Dixon participates in SBA Express depends on its specific SBA lending authority. Contact First Northern Bank of Dixon 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 Northern Bank of Dixon 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 Northern Bank of Dixon's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Northern Bank of Dixon 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 Northern Bank of Dixon 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 Northern Bank of Dixon 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 Northern Bank of Dixon 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 Northern Bank of Dixon weighs this case by case under its own policy, so be upfront about your history and ask First Northern Bank of Dixon how it evaluates prior bankruptcies.