Welcome To Our New Website!
Welcome To Our New Website!
At FNBA, every business loan is reviewed and approved locally in South Jersey by bankers who know your market, your industry, and your community. From commercial real estate loans to equipment financing to revolving lines of credit, we have the products your business needs and the people to help you use them effectively.
Our South Jersey business bankers evaluate every application in-house, understanding your full story, not just a credit score. That means faster decisions, more flexible conversations, and a banking relationship built on getting to know you and your business.
Whether you are expanding your footprint, upgrading equipment, managing cash flow, or securing a line of credit for operations, FNBA has a business loan built for the way South Jersey businesses work.
Finance the purchase, construction, or refinancing of commercial real estate in South Jersey. FNBA lends on owner-occupied and investment properties with local underwriting and no out-of-state approval delays.
Key feature: Local underwriting on all commercial real estate transactions.
A revolving credit facility that gives your business access to funds when you need them: for inventory purchases, operational gaps, or short-term opportunities. Draw and repay as your business cycle demands.
Key feature: Revolving access to capital without reapplying each time.
Finance the equipment your business needs to operate and grow. From vehicles and machinery to technology and fixtures, FNBA structures equipment loans around the useful life of your asset.
Key feature: Terms structured around equipment lifespan.
Provide your suppliers, partners, or counterparties with a bank-backed guarantee of payment. FNBA issues commercial Letters of Credit to support domestic and international business transactions.
Key feature: Bank-backed payment guarantee for business transactions.
Short-term financing repayable on demand, structured for businesses that need flexible access to capital for specific, time-sensitive purposes. Terms set at the time of origination.
Key feature: Flexible short-term structure for defined business needs.
All loan applications processed in a South Jersey branch. No online loan applications. NMLS #415794. Member FDIC.
A business loan is most effective when it is part of a complete banking relationship. FNBA offers the tools your business needs to manage cash flow, process payments, and keep operations running smoothly.
ACH origination, Remote Deposit Capture, multi-account management, employee access controls, and real-time balance alerts to keep your cash flow visible. Subject to approval fees may apply.
Small Business Checking (no monthly service fee, $1,000 minimum daily balance) or Commercial Checking for higher-volume operations. Local decisions, South Jersey bankers.
Timelines vary by loan type and complexity. Speak with a South Jersey FNBA banker to get a realistic timeline for your specific request; you can call us at 609-641-6300 or visit your nearest branch.
Required documentation varies by loan type but typically includes business formation documents, recent business and personal tax returns, current financial statements (profit and loss, balance sheet), and a description of the loan purpose. Your FNBA banker will provide a complete checklist at your initial consultation. All applications are processed in a South Jersey branch.
FNBA offers a wide variety of business loans, including Commercial Mortgages, Business Lines of Credit, Equipment Financing, Letters of Credit, and Demand Loans. Speak with a South Jersey FNBA banker to find the right fit for your business goals.
Talk to a South Jersey FNBA banker today. All business loan applications are processed by people who know your market and want to see your business succeed.
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