Skip to main content
_FB_2018-Icons-finalized-cleaned-up_new_FB_2018-Icons-finalized-cleaned-up_newGroup 9
Find Your Local Branch
Back
Scroll to top

Small Business Loans – Jacksonville NC

Running A Business 2 min read

Ready to talk to an expert?

Find A Location Get In Touch

Recently, Forbes named Jacksonville, NC #25 in cost of business rankings. The thriving business appeal makes Jacksonville a clear choice for entrepreneurs looking to start or expand a small business. First Bank’s dedication to meeting the needs of each of our customers makes us the obvious choice for small business loans.

If you are looking for a small business loan to start or expand a business in Jacksonville, come to First Bank and see why we were named the Community Bank of the Year by NC Rural Center. We offer competitive rates and flexible terms, and our small business specialists can help you grow and manage your own business.

Small Business Loans to Help You Reach Your Goals

Our loans and credit options are designed with entrepreneurs in mind. We want you to achieve your financial goals and build a business that will continue to grow and thrive, much like the city of Jacksonville.

First Bank’s small business loans provide you with a lump-sum of cash for long-term financing. This enables you to have the funds you need, when you need them, so you can quickly expand your business and buy what you need to make it successful.

In addition to business loans, we offer:

  • Business credit cards with rewards: Our business credit card offers lower rates, no annual fee, rewards benefits for registered cards and is a great way to keep track of your business expenses.
  • Lines of credit: Our lines of credit give you access to cash for any business purpose quickly and conveniently.
  • Commercial mortgages: We provide competitive pricing on a variety of commercial mortgage products. Speak with one of our real-estate specialists about customizing a loan to meet your needs.
  • Construction loans: We provide businesses with loans for new construction, remodeling, expansion, and other construction projects.
  • SBA loans: Your business may be the right fit for a government-sponsored loan provided through First Bank rather than traditional bank financing.

First Bank has two convenient locations in Jacksonville, North Carolina, at 827 New Bridge Street and 400 Western Boulevard. Visit the location nearest you and speak with one of our small business specialists today.

Loans subject to credit approval.

Sources:

Forbes: https://www.forbes.com/places/nc/jacksonville/

Ready to talk to an expert?

Find A Location Get In Touch
Share:
First Bank’s Good To Know Logo
Sign up for our newsletter and be the first to know about new tips, insights, and products from First Bank.
First Bank may use this email address to contact you about products, services, and promotions.

You may be interested in...

Business Spotlight: Ryan and Jenny Haskins of Archdale Drug Video Business Spotlight: Archdale Drug Ryan Hoskins, owner of Archdale Drug, had always wanted to run his own small business. He tells us his story of how he started Archdale Drug and what local business means to the community. 3 min read
Wondering Where to Get Mobile Merchant Services? Wondering where to get mobile merchant services for your business? First Bank can help you with all of your business needs, including in-store and mobile merchant services such as payment processing, reporting, and check collection. Find your nearest First Bank location today to find out how doing business can get a whole lot easier. Mobile Credit Card Processing Services at First Bank The ability to accept and process credit and debit card transactions is essential to doing business in today’s market. With an estimated 176 million credit card users in the United States, it’s important to make sure that your business is able to accommodate your customers. By providing a selection of payment options for your customers, you can simplify your business operations and increase your revenue. First Bank’s merchant services can help your business accept several different payment options in-store and mobile, including credit cards, debit cards, electronic checks, gift cards, and more. Our credit card processing can: Reducing payment risks Creating purchasing mobility Expanding your customer base Improving revenue capture Types of Merchant Services Available Here are a variety of merchant services that First Bank offers: Payment Processing & Management These payment processing and management services provide a pricing advantage with equipment and software that allow business owners to process payments through point-of-sale terminals, Internet, wireless, mobile, and integrated solutions. This includes products such as: Credit Card Processing: In-Store & Mobile Reconciliation & Reporting Streamline your payment processing operations with a user-friendly, online management and reporting system. This includes: Comprehensive activity reports that allow access to all your business payment card transactions. User controls that help to create your own reports based on needed required information. The ability to respond online to chargebacks and retrievals, including exporting reports to Excel for further analysis. Reports for adjustment history, authorizations, and merchant statements when you need it. Check Collection With a two-step verification process, you can increase the profitability of your business by reducing liability, get protected against losses, and increase your sales by securely and quickly accepting checks through our verification and guarantee. Get Mobile Merchant Services Today at Your Nearest First Bank Since 1935, First Bank has been helping businesses succeed in an increasingly competitive market. Visit your nearest branch today and see what our friendly staff 2 min read
a wolf in sheep's clothing works at a scam Can You Spot a Scam? Can you spot a scam? Most people are confident that they can tell the difference between fact and fiction, but the truth is that it isn’t always easy to fend off fraud. Want to test your knowledge? Click through the scenario below and think about whether it’s a helpful notice from your bank or if it might be a scam. Read on to find out the answer! Is this your bank... or is it fraud? 1) Your phone rings. Caller ID shows the number as your local bank. 2) You pick up the phone. The caller addresses you by name and seems to be familiar with your bank account number, address, and transaction history. 3) They warn you of possible fraud on your account. The caller asks if you're familiar with several recent transactions and reassures you that they'll help you protect your account. 4) They ask you to confirm your identity. Before the caller can help, they ask you to verify your identity by sharing the last 4 digits of your debit card or a one-time passcode. So... what do you think? Is the person on the phone a cunning fraudster or an honest banker? How to fight fraud and find red flags In the scenario above, the call is probably a scam. But the caller’s familiarity with your personal details may cause you to drop your guard long enough for them to retrieve your Secure Access Code (SAC) or a one-time code texted to your phone. They may use that code to change the password of your bank account, letting them in and locking you out, or to add your card to their digital wallet, which lets them use your card to make unauthorized purchases. It’s important to know that First Bank will never ask you for information like a one-time passcode if we’re the ones reaching out to you. Here are some other common red flags to look out for… Keep an eye out for these common tricks: Unexpected calls or messages, even if they look official. If you get any kind of communication claiming to be from First Bank — or another trusted source — stop and think about whether it might be fraud before responding. Caller ID and emails are easily faked. Pressure to act fast. Scammers often create a false sense of urgency to keep you from calmly thinking things through. They may claim that your account is at risk or that you owe money on a debt. Remember that legitimate businesses are unlikely to rush you. Requests for sensitive information. While we may send you a one-time code to verify your identity after you call us, remember that a First Bank employee will never reach out to you and then ask for your one-time passcode, PIN, or password. ` Being told not to contact your bank. Fraudsters may say that your local branch is under investigation for misconduct or that your usual banker isn’t available. Don’t be afraid to hang up and call a trusted number to confirm whether there’s really a problem. Unusual payment methods. If you’re ever asked to pay with a gift card, wire money to a specific account, or use a payment app, stop and call your local bank. Cryptocurrency and large cash withdrawals are also common. Scammers prefer payments like these because they’re hard to trace, and it’s often impossible to recover stolen funds. Learn more about financial fraud If you suspect a scam, here’s what to do. Need to make a quick decision in the heat of the moment? Remember these important fraud protection tips: ✅ Always double-check the details ✅ Stop and think through the situation ✅ Keep your private information secure ✅ Talk to someone you trust — like your local bank ✅ Only make payments through familiar platforms ✅ Don’t be afraid to trust your intuition And remember — fraudsters don’t only go after regular folks. They target business accountholders, too. Keep an eye out for invoices from unfamiliar vendors, urgent payment requests, unusual payroll changes, and spoofed emails. Some business accounts, like First Bank’s Business Elite, offer built-in treasury tools and fraud protection. 5 min read
Image for tile. ACH Payroll Rule Changes Effective March 20, 2026 At a Glance: Frequently Asked Questions What is changing with ACH payroll in 2026? Starting March 20, 2026, ACH transactions used to pay wages, salaries, or other similar types of compensation must include “PAYROLL” in the Company Entry Description field. This applies regardless of the worker's status (covering both W-2 employees and 1099 contract employees. Additionally, pre-tax deductions such as contributions to a Health Savings Account (HSA) are also required to use the "PAYROLL" descriptor. What is Nacha? Nacha is the organization responsible for setting and enforcing the rules that govern the ACH Network in the United States. Read this article to learn more about Nacha Who needs to take action? Businesses that use ACH transfer services to pay employees (both W2 and 1099) wages, salaries or other forms of compensation (including pre-tax deductions like HSA contributions) will need to ensure they are entering "PAYROLL" in the Company Entry Description field. If you upload a file to process your ACH payroll transactions, you will need to ensure that your file upload meets this new "PAYROLL" requirement. Do First Bank customers need to do anything? Many First Bank customers do not. Payroll transactions processed through Payroll Templates will be updated automatically to comply with this new rule change. If you prepare a file outside of First Bank online banking and upload it into our system, you'll need to update your file so that the Company Entry Description field is "PAYROLL". What happens if payroll files are not updated? After March 20, 2026, payroll files that do not meet the new requirement may result in returned payroll items, and originators may receive a Notice of Change. Understanding the New ACH Payroll Rule Taking Effect March 20, 2026 If your business uses ACH to pay employees, an important rule change is approaching that may affect how payroll transactions are processed. Beginning March 20, 2026, updated Nacha requirements will apply to payroll-related ACH transactions. These changes are intended to help reduce payroll fraud and prevent misdirected payments across the ACH network. This article explains what is changing, how it may apply to First Bank customers, and what steps payroll originators should take to prepare. What Is Changing? Starting March 20, 2026, ACH transactions used to pay wages, salaries, or similar compensation must include “PAYROLL” in the Company Entry Description field. This requirement applies specifically to payroll transactions and does not affect ACH payments for vendors, consumer payments, or other non-payroll activity. Nacha, the organization that governs the ACH network, introduced this change to make payroll entries easier to identify and monitor. This strengthens risk controls and helps financial institutions detect potential fraud more effectively. How This Affects First Bank Customers The impact of this change depends on how payroll ACH transactions are originated. Customers Using First Bank’s Payroll Solutions: If you use First Bank’s Payroll option within online banking, a template, or file upload, no action is required. First Bank will automatically apply the updated Company Entry Description to payroll transactions processed through these tools. Customers Using ACH Pass-Thru: Because ACH Pass-Thru files are generated externally, they will not be automatically updated to meet the new requirement. If this applies to you, contact your payroll provider to confirm that payroll files will include “PAYROLL” in the Company Entry Description field before March 20, 2026. Payroll files that do not meet the new standard may result in returned payroll items.. Unsure How Your Payroll Is Processed? If you are not certain which method you use to originate payroll ACH transactions, Business Support can help confirm your setup and explain how the change applies to your business. Why This Matters for ACH Originators Businesses that originate ACH transactions are responsible for ensuring those transactions are accurate, authorized, and compliant with Nacha rules. Staying informed about rule changes like this one can help reduce the risk of payment disruptions, avoid delays in employee payroll, and support overall ACH compliance. Share This Information with Your Team If payroll is managed by someone else within your organization, such as a payroll processor, accountant, or third-party provider, be sure to share this information so any necessary updates can be made before the March 20 deadline. Need Help? First Bank’s Business Support team is available to answer questions and assist with understanding how this change applies to your account. Phone: 1-866-435-7208 Hours: Monday through Friday, 8:30 a.m. to 5:30 p.m. 4 min read
First Bank logo
Powered by  GDPR Cookie Compliance
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognizing you when you return to our website and helping our team to understand which sections of the website are the most popular and useful.