Business Loans

Business owners have unique borrowing needs. For some, it's a short-term cash flow supplement. For others, it may be long-term financing for facilities and equipment. No matter what your borrowing needs, First National Bank and Trust has the product for you. We offer competitive fixed and variable rate loans to meet your needs. We make borrowing quick and easy. Best of all, our decisions are made locally! Call one of our lenders today at 606-877-2200 or visit us to discuss your financial needs.


Business First Line of Credit

  • Pre-approved line of credit that can be accessed by writing a check.
  • A monthly statement details all advances and payments
  • Monthly payment is 2% of the principal balance plus accrued interest
  • Minimum payment of $50.00

Commercial Mortgage Loans

  • For purchase or refinance of real estate, office space, factories or other income producing properties
  • Prompt approval and processing by your local banker
  • Competitive fixed or variable interest rates
  • Flexible and attractive repayment terms

Constructions Loans

  • Source of short-term funds to build a permanent structure
  • May be converted to permanent financing
  • Competitive fixed or variable interest rates
  • Reduced interest costs with funds advanced as work is completed

Agriculture Loans

  • For purchase or refinance of farmland
  • Crop productions and livestock loans
  • Farm equipment loans
  • Agricultural lines of credit
  • Capital improvements
  • Competitive fixed or variable interest rates
  • Flexible and attractive repayment terms