First National Bank

Main Office
206 South First St.
Pulaski, TN 38478
Tel: 866-363-2585
Fax: 931-363-7574

Commercial Services

With business success comes opportunities...as well as challenges. Such as expansion, changing technology, or doing more with less.

To stay competitive, you need a reliable and accessible financial partner. First National Bank knows about the needs of growing businesses. As your hometown bank, we get to know each customer so that when growth opportunity comes your way, we have all the information at hand to quickly implement creative financial solutions tailored for your business.

Ask us about:

  • Business Loans and Lines of Credit
  • Agricultural Loans and Lines of Credit
  • Residential Development & Construction Loans
  • Deposit Services

Business Loans For All Reasons

When your business needs money, you need it now! Your First National Bank commercial loan officer will get to know and understand the unique cash flow needs of your business. We'll work with you to set up flexible repayment terms. And, at First National Bank you'll appreciate getting prompt answers to your loan requests...because lending decisions are made LOCALLY! We can help with:

  • Accounts Receivable Loans
  • Commercial Real Estate Loans
  • Debt Consolidation Loans
  • Equipment Financing
  • Facility Construction/Expansion Loans
  • Inventory Financing
  • Letters of Credit
  • Lines of Credit
  • Small Business Administration Loans
  • Working Capital Loans

Real Estate Development & Construction Loans For Area Builders

First National Bank loan officers understand the unique cash-flow needs of developers and builders. We help customers establish sensible lines of credit, minimizing your financial risk. As your hometown lender, we keep current with local construction progress, so that you can make timely draws - keeping subcontractors and suppliers paid and projects moving. We can assist you with:

  • Commercial Real Estate Development
  • Custom Construction
  • Speculative Home Construction Loans
  • Residential Development Loans
  • Construction/Permanent Home Mortgage Service - Working with builder and home buyer to arrange a smooth transition from construction through the homeowner's loan closing.

Deposit Services

The Right Tools To Manage Your Business' Cash

Day-to-day financial transactions are the lifeline of any business. First National Bank makes it our job to know your company, to help you to choose the banking services your company needs. We'll evaluate your transaction volume and establish low, predictable service fees. Choose from:

  • Commercial Checking - Low monthly and per-item fees.
  • NOW Interest Checking - For sole proprietorships and non profits. No monthly fee and no per-item fee by maintaining a minimum balance.
  • Commercial Money Market Accounts - Earn higher interest by maintaining higher deposits where limited access to funds is required. Ask a customer service representative about minimum balance requirements.
  • Commercial Savings Accounts - Keep deposits totally accessible while earning competitive interest rates.
  • Certificates of Deposit - Available in terms from 30 days to 5 years.

Other First National Bank Services For Your Business

  • Image Statements - Your canceled checks are laser-imaged on easy-to-file 8 1/2" X 11" pages, that require a fraction of the storage space and speed account reconcilement.
  • CHECKCards - Whether you need cards to transact business...or the ability to handle customer payments via card...we'll take care of you (subject to credit approval).
  • 24 Hour Telephone Banking - Account information and funds transfer capability 24-hours a day.
  • Night Depository - for daily cash receipts and computer back-up files
  • Safe Deposit Boxes

The following are available through our affiliation with Smith Barney.

  • Individual/Employee Insurance Services
  • Individual/Employee Retirement Accounts* - Company Pension Plans, 401-K Plans, SEPs and IRAs.

Call Today...And Discover How First National Bank Is Always First For Your Business!

At First National Bank, we are eager to become your hometown business financial partner. Call any of our full service banking offices and let one of our commercial specialists assist you in determining the most beneficial cash management solutions for your business.

*Brokerage services and Employee Retirement Accounts may not be FDIC insured.