The benefits of working with FNB include:
    -  Efficient loan decisions: Our team includes a dedicated credit officer with specialized experience who can review applications efficiently and effectively.
    
 
    - Flexible credit standards: We may be able to provide asset-based financing solutions even if your business is going through a tough time. Our lending decisions take into account many different factors beyond current credit or recent history.
    
 
    - Higher advance rates: Our ABL loans typically have higher advance rates, so you may be able to borrow more against your assets than you could with other commercial loan products.
    
 
    - Proactive suggestions for loan products: Our corporate finance experts can match you with the products that make sense for your business right now.
    
 
    - Local presence: Meet face-to-face with a local banker to discuss your needs and our available products.
    
 
    - Personal relationship with your banker: We take time to understand your unique challenges before we make a decision on your loan.
    
 
Our team embraces FNB’s cross-functional approach, which encourages collaboration between our business units. We can provide appropriate commercial and personal banking solutions as your business and its financial needs grow and change.