FNBC Bank

This is a small business bank that provides SBA loans, microloans, and other financing options to help entrepreneurs grow and succeed in their local community.

It's recommended to schedule an appointment for personalized service, but walk-ins are also welcome during business hours.

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

There are fees associated with loan processing and interest, which vary depending on the specific loan product.

This service is primarily available to small business owners and entrepreneurs within the region, but eligibility depends on meeting specific loan criteria.

A minimum credit score of 620 is generally required for loan approval.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of documentation.

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

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

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

FNBC Bank offers multiple contact options: call (870) 994-2311, toll-free 888.435.BANK (2265), text 870.994.2311 (Monday–Friday, 8 a.m.–4:30 p.m.), or use their online contact form at fnbc.us/contact/. For SBA loan inquiries, ask for their business lending or SBA department. Confirm specific services directly with FNBC Bank.

Based on its approved SBA loans, FNBC Bank most often finances businesses in general retail, automotive repair & services, restaurants & food service, fitness & recreation, and construction & contractors. This reflects FNBC 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 FNBC 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 FNBC Bank participates in SBA Express depends on its specific SBA lending authority. Contact FNBC 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. FNBC 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. FNBC Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask FNBC 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 FNBC 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 FNBC 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 FNBC 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. FNBC Bank weighs this case by case under its own policy, so be upfront about your history and ask FNBC Bank how it evaluates prior bankruptcies.