New Business Loan – Jacksonville, NC

First Bank helps businesses get off the ground in Jacksonville, NC with our new business loans and various sets of helping hands. Our new business loans can provide a lump sum of cash for your business to finance equipment, vehicles, real estate, signage, furniture and more.

With two locations in Jacksonville on Western Blvd and New Bridge Street, First Bank is happy to be your very first customer.

Business Loans from First Bank

Entrepreneur named First Bank one of the best small business lending banks in the country and it’s easy to see why.

Open a line of credit with First Bank to access cash for any business purchase need.
Use our low-rate, no annual-fee First Bank Mastercard Business Card with Rewards as often as you wish to earn rewards for your business purchases.
Get a commercial mortgage loan through First Bank or a loan for new construction, remodeling or expansion.

New Business Loan - Jacksonville, NC

New Business Loans Are Just The Beginning

First Bank doesn’t stop at the loan when it comes to helping new businesses.We offer five different levels of business checking accounts and three types of business savings accounts to cater to businesses of all sizes and shapes.

We can also supply our customers with a host of merchant services such as easy processing of credit and debit cards, checks and gift cards. We also offer treasury services for your business such as payroll processing, deposit services and online banking.

Read about First Bank’s full offering of new business loans and additional ways we help businesses in Jacksonville, NC grow and succeed.

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Community Bank for Small Business Since 1935, First Bank has been the go-to community bank for small business owners. Our first branch opened in Troy, NC, where we helped farmers and local business owners manage their funds. We have continued to evolve to meet the needs of our customers, and today we are the top choice for businesses across North Carolina and South Carolina. A Community Bank That Cares About Small Businesses Not all businesses are the same, and we are a community bank with community values that strives to anticipate and meet your needs. Small business owners will find that we offer multiple banking options to fit their needs. Banking: Our checking and savings accounts are designed to accommodate businesses at any level. They range from the most basic Business Essentials plan, to our most advanced Business Advantage Plus plan. Online & Mobile Banking: A business account with First Bank gives you access to our free online and mobile banking services. Quickly and easily manage your funds from your computer or mobile device. Loans & Credit: Whether you are just getting started or constructing your second office, we have options to fit your needs. We offer loans, mortgages, and lines of credit with flexible terms and competitive rates. Merchant Services: With state-of-the-art transaction processing services, we make processing credit cards, debit cards, gift cards, and electronic checks easy for your business. Treasury Services: From deposit services to payroll direct deposit, we offer a wide range of cash management services to enhance your business. SBA Loans: This government-sponsored small business loan features flexible terms and competitive rates when traditional bank financing isn’t an option. We are a community bank for small business owners, so we understand that growing a business takes work. FitSmallBusiness recently rated us as one of the best SBA lenders in the nation. Let us handle the money so you can get down to business. Click here to find a branch near you. Account service fees may apply as described in the Account Services Fee Schedule or at your local branch. Sources: FitSmallBusiness.com:https://fitsmallbusiness.com/best-sba-lender/ 2 min read

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Southern Supreme Fruitcakes & More – Garage Startup to Global Distributer "I don't like Fruitcake" Not a fan of fruitcake? Neither was Berta Lou Scott until she perfected her version in the 1980s. Her Southern Supreme Fruitcakes have been converting fruitcake foes to fans ever since. Visit the Southern Supreme Fruitcake Online Store A Sweet Success Story Berta Lou Scott’s fruitcake started as Christmas gifts for her friends, family, and clients in their hometown of Bear Creek, NC. Mrs. Scott’s baked goods were always sought after throughout the holidays, but her fruitcake especially garnered attention for its ability to change the minds of those who claim to not like fruitcake. As demand for her fruitcakes increased Mrs. Scott’s late husband, Hoyt Scott, took out a small business loan to increase their production capacity. The Scott family tells their First Bank story like this: “It all started around 1989 when our father/father-in-law “Hoyt Scott” wanted to take out a small business loan. At that time Mr. Jimmie Garner was who we went to see. The story that Hoyt liked to tell was, “I didn’t know who the bigger fool was: the man who wanted to borrow the money to start a Fruitcake business or the man who would loan him the money.” That is what started our relationship with First Bank.” As it turns out they weren’t fools after all. Jimmie Garner went on to become the CEO of First Bank and Hoyt Scott (along with his family) grew Southern Supreme Fruitcakes from their garage to a 40,000 square foot manufacturing, distribution and retail operation where they attract thousands of tourists each year and ship their products globally. Play Not your typical Fruitcake Two big differences set Berta Lou Scott’s fruitcake apart from the rest. Her recipe favors nuts over candied fruit, and her method of slow baking and stirring the dough as it bakes keeps the cakes from becoming dry. In fact, Southern Supreme Fruitcakes will stay fresh and moist without refrigeration for 6 months to a year. This unique baking method has posed a unique set of challenges that the Scott Family has overcome with hard work and ingenuity – something that is on display throughout their manufacturing facility. Thousands of guests tour their kitchen yearly to get a first-hand view of the one-of-a-kind operation which involves a rotating oven that allows trays of dough to move from baking to hand-stirring every 15 minutes until complete. Teams of seasonal workers begin fruitcake production in August and at the height of the Christmas ordering season, they will slowly bake and stir over 3,000 pounds of fruitcake per day. Watch this video to see their kitchen in action > 4 min read

Four Tips Before Starting Your Business According to research from the SBA.gov in a 2020 report of small businesses, North Carolina had a total of 934,604 small businesses. And despite everything the last year threw at us, the number of new businesses in the state continues to grow as many have been tapping into their creativity\, making the leap from side business or unemployment to self-employment. If you’re exploring the idea of starting a business, you should know that in the first two years of a business’ life, an average of 68% survive. Then after five years, 49% of those are in business, and 34% make it to that 10-year mark. The trick to being one of those survivors? Be well prepared with the right financial tools. To help, we collected the following 4 tips to help you start your business off on the right foot. Consider where you want your business to go. Before you start, think about your daily life and understand your market. Why do you want to start your own business? Do you understand your industry or your customer base? What is your daily activity like? Do you have extra income? Think about your long-term goals. What risks are you willing to take? Then, think about your business idea. Do you have a business plan? How will you purchase necessities you will need to start out? Do you have a plan for growth? Answers to these questions will be different for every potential business owner, but making a decision on these topics may lead you to tip number two. 2. Get your finances in order. Start by making a budget for your business. Things to include might be the cost of supplies, equipment, rental fees for your storefront, travel, or anything else that is a requirement for your startup. Next, consider your initial financial goals for your new business. Establishing financial goals (annual, monthly, weekly, and even daily) can keep you on track if you are planning to open or accept customers in the near future. Need help sticking to the plan? Take our financial course on creating a budget, which teaches you strategies and tips to help you stay on track. 3. Consider how you will fund your business. Once you 5 min read

New Business Loan – Jacksonville, NC

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Business Loans from First Bank

New Business Loans Are Just The Beginning

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