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Business Loans Comparison Chart

Use the chart below to compare the different business loans offered by FNCB side by side. This will help you decide which one is the best fit for you:


Type of Account Purpose Maturity Collateral Payment Terms
Term Loan Various business purposes 12 to 84 months Secured Principal and interest monthly
Time Loan Working capital; bridge financing Up to 24 months Secured or unsecured Interest monthly, principal at maturity
Line of Credit Working capital Revolving Secured or unsecured Interest monthly, principal on demand
Mortgage Loan Commercial real estate acquisition/improvement; debt refinance Up to 20 years Commercial real estate Principal and interest monthly
Construction Loan Commercial real estate construction Construction only; mini-permanent or permanent financing Commercial real estate Interest only monthly (during construction) / principal and interest monthly
Letter of Credit Performance / payment assurance Specific maturity Secured or unsecured Interest monthly, principal on demand (if drawn upon)
Floor Plan Lending Inventory financing Revolving Secured Interest monthly; principal repaid as vehicle is sold.
Municipal Financing Real estate acquisition / improvement, tax anticipation financing, other general purposes Varies based on type of financing Generally secured by the full faith, credit and taxing authority of the public entity Varies based on type of financing
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