Business Loans

At FCBank, we're committed to helping you grow your business.  We have the options and resources to help get you the financing you need to purchase equipment, expand your office space, manage your inventory, and more.

Commercial Term Loans Accent Photo

Commercial Term Loans are designed for those one-time purchases of land, building, equipment or other fixed assets that are essential whether you're just getting started, growing, relocating or simply replacing equipment.

Commercial Lines of Credit Accent Photo

Commercial Lines of Credit are useful as temporary working capital. Whether the funds are needed for seasonal or general inventory, supplies or to support growth, a line of credit will help your cash flow.

Small Business Xpress Term Loans and Line of Credit
SBX_generic_logomark-only_RGB-(1).jpgBusinesses can now apply for a Small Business Xpress (“SBX”) term loan or line of credit online for as little as $5,000 and up to $100,000.  It only takes about 15 minutes to complete the application.  You will get an answer to your request just a few minutes after a completed application is submitted and all supporting documents have been submitted.

Line of Credit Application Term Loan Application Continue My Application

What You Will Need Before You Get Started
We recommend that you have the following documents ready in electronic format before you start the application as you will be asked to upload them as part of the application:
  • Two years of the most recent Business tax returns
  • Two years of the most recent Personal tax returns for each owner/guarantor for all owners who own 20% or more of the company
  • Business Entity Documentation
  • Personal Identification Documents
     
What You Need To Know
  • You will be required to open up a business checking account if you do not already own one with the Bank
  • If you are not taking an advance on your line of credit at closing, you will have 30 days to fund your deposit account
  • Your company needs to be in business for 2 or more years
  • A term loan will be funded to the business checking account
  • Line of credit draw-downs will be funded to the business checking account
  • Payments are required to be made by direct debit from the business checking account
  • Personal guarantees are required for all owners with a 20% or more ownership stake
  • We’ll take a general security interest in all business assets
  • An application fee of 1% of the loan amount or line of credit commitment not to exceed $250 is charged upon approval
  • A $100 review fee is charged annually on lines of credit
  • There is a 2% fee charged on the outstanding balance of your term loan account if you close out your term loan account due to a refinance with another institution
  • You can only apply for one SBX credit product at a time. You will need to wait 180 days before applying again
  • You can only open one line of credit through the SBX process
Visa Business Rewards Credit Card Accent Photo

Our credit cards provide a flexible and cost-effective way to manage your business expenses. And, as a FCBank Visa corporate cardholder, you not only have the power to make purchases at more than 24 million locations worldwide, but have additional premium benefits that help save you money and provide peace of mind. The many great features include:

Special Features

  • ScoreCard® RewardsEarn 1 point for every $1 you spend in net purchases. Redeem points for gift cards, merchandise and travel!
  • Contactless Technology:  We now offer contactless technology with your Visa® Business Rewards Credit Card.  Tap, dip or swipe - it is all up to you.  Tapping to pay with your VISA contactless credit card can help you avoid touching surfaces at checkout.  Each time you tap, your transaction generates a one-time code, making your transaction secure.  Click here for more information about tap to pay contactless technology.
  • 24/7 Account Access: Just visit www.mycardstatement.com, enter your credit card number and security code, and view your account balance, available credit, amount and date of last payment, minimum payment amount and due date, last statement date, cash advance limit, transactions posted since last statement, and more!
  • Cash Advances: Access your available balance by getting a cash advance with your credit card at participating banks worldwide. For easier cash access using your credit card personal identification number (PIN) you can get a cash advance from any ATM displaying the MoneyPass or Plus symbol.
  • Auto Rental Collision Damage Waiver Program: Should you need a rental car for business travel, be sure to use your corporate Visa Gold card — this benefit is provided by Visa at no charge to you.
  • Around-the-clock Assistance: You have access via a toll-free number to report lost or stolen cards, obtain balance information or recent account activity, and more! For around-the-clock assistance, call 1-800-423-7503.
Letters of Credit Accent Photo

A Letter of Credit (L/C) is a financing vehicle that essentially substitutes the credit strength of the bank for that of your company. It is flexible and can be tailored to reflect your needs.

Contact Us Today!

If you're interested in learning about our Financing options, please contact us toll-free at 1-855-880-3694, visit us at any FCBank branch location, or send an email to CustomerServiceCenter@FCBank.bank. FCBank appreciates the opportunity to be your financial partner.

(Please be aware that the email you are sending is not secure. Please do not include sensitive information, such as your account information, social security number, PIN or password.)

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