Commercial Line of Credit

Funding that Adapts to Your Business

Avoiding gaps in business cash flow is possible when you have quick access to working capital. That's where a business line of credit comes in. Your business can draw from your line of credit up to a certain limit and only pay interest on the amount borrowed. As payments are made, the credit line can be reused as necessary.

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Line of credit uses include, but aren't limited to:

  • Accounts Receivable
  • Inventory Financing
  • Operating Expenses
  • Funding Gaps
  • Emergency Funding¬†
  • Off-season Capital
  • New Opportunities
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Tailored Funding Solutions

Small Business Line of Credit

Thriving small businesses are important to the vitality of your communities. First Bank and Trust Company's Commercial Lenders work diligently with small businesses to provide access to funding. We understand the importance of flexible financing solutions the help businesses stay agile an competitive. That's why we offer line of credit lending for businesses big and small.

Small businesses often face challenges related to financial resources and cash flow efficiencies. A line of credit helps reach short-term working capital needs to keep small businesses running. 

Our Business Lenders Are Your Neighbors

Our lenders are experienced and local to Virginia, North Carolina and Tennessee. We know you and your market and offer a wide array of industrial and commercial loan products. When you work with First Bank and Trust Company, you are supported by credit analysts and commercial loan support in each market. Your credit file is maintained locally to facilitate servicing your needs in a fast and professional manner.

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