Relax. You'll get there.

At FNBL, we're committed to helping establish or grow small businesses in the region. So we look at business credit services from a different perspective than the larger banks do – your perspective. We're willing to work closer with you and your existing financial and legal advisors so your team of professionals understands your needs and can customize programs to achieve your goals more effectively.

• Serving credit needs of $150,000 or less.
• Local decision-making.
• Streamlined process for quicker applications and approvals.
• Ability to monitor and transfer funds by connecting your loan or line to your online banking account.

Term Loans

Secured loans are useful for long-term financing and fixed asset purchases, equipment purchases, business expansion and debt consolidation.

• One-time lump sum with regular fixed monthly payments.
• Adjustable or fixed interest rates.
• Monitor and transfer funds via online banking.
• Local decision-making.

Lines of Credit

A line of credit provides easy access to funds whenever you need them and helps you manage recurring or cyclical cash flow needs. It's ideal to finance growth or cover gaps in revenue collection.

Transaction Line of Credit (TLOC)

Manage your cash flow and avoid the expense of returned checks with an innovative TLOC from The First National Bank of Litchfield.

• Tied to your checking account and transaction-activated.
• When funds are needed, all you need to do is write a check and payment advances, or for added ease and convenience, make transfers online.
• TLOC sweeps available funds daily from your checking account to pay down your line of credit, saving you interest and paying it down faster.
• Provides security/peace of mind.
• Secured – for businesses that have vehicles, equipment, CDs, personal residence or commercial property to collateralize.
• Unsecured – lines available for business owners with a strong, established credit history; no collateral needed.

Business Protection Line

Avoid the cost and inconvenience of over extending your checking account by linking it to a line of credit.

• Line of up to $5000 with no annual fee.
• Exact amount of overdraft is transferred from your line of credit to your checking account.
• Saves you money by helping you avoid insufficient funds fees.
• For added ease and convenience, ability to monitor and make transfers online.

Business Credit Solutions. Add it to FNBL's free small business checking and savings, merchant services, investments and insurance, and customized business online banking, and you have one of the most innovative business services programs you'll find anywhere!

Lines of credit must be tied to a FNBL business checking account. All offers and terms subject to change without notice. All offers subject to change at anytime without notice. © 2006 The First National Bank of Litchfield. All rights reserved.