Business Line of Credit

A revolving line of credit from First Northern Bank lets you take care of short-term needs fast. Rather than receiving a lump sum, a line of credit means you’ll have access to funds as you need them — while only paying interest on what you use. And access is immediate; there’s no need to reapply once you’ve been approved.

  • Competitive rates for a wide range of long-term or seasonal business needs
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
    • And more
  • Provides greater financial flexibility
  • Repayment customized based on your business’s unique needs (terms up to 5 years)
  • Funds available right as you need them; apply once then use again as needed thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Only pay interest on the part that's used
  • Funds are easily accessible via a simple transfer to your FNB account, check, or cash
  • $150 – $200 annual fee*
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish

Looking for a line of credit from $10,000 to $500,000? Contact us or download an application to get started.

Looking for a line of credit over $500,000? Contact us to speak to a lender.

Express Line of Credit

Smaller businesses still have big working capital needs and often need to act even faster. An Express Line of Credit from First Northern Bank is perfect for just about any short-term need or expansion opportunity.

  • Lines from $10,000 to $100,000
  • $150 annual fee
  • Interest only payments available
  • Line terms up to 5 years
  • Quick, local decision-making and processing
  • Detailed, attentive service from start to finish
Streamlined Application Process

The world isn't slowing down. You know it and First Northern Bank knows it. If you want your business to keep up, you need answers quickly. First Northern Bank understands that.

Our lending process requires less paperwork and quicker solutions. Applying for loans of $100,000 or less requires a simple application. Applying for larger loans ($100,000 to $500,000) will require two years of financial information to be provided as well. Throughout every step, your First Northern Bank lending professional will be by your side.

There's no time like the present to get started.

*Annual fee based on loan amount.