Find the best SBA Rates for your industry by searching our SBA Lender Directory

SBARates.com is a data-driven SBA lending intelligence platform. The site provides industry-specific lending insights, lender analytics, approval trends, and average SBA 7(a) loan rates to help entrepreneurs research SBA lenders and prepare for funding.

FNBC Bank (AR)

Existing or more than 2 years old
Fixed Rates
Loan Funds will Open Business
New Business or 2 years or less
Preferred Lenders Program
# Startup
# Variable Rates
SBA Loan Approvals as of Fiscal Year End 2025 18
SBA Loans Total Approval Amount as of Fiscal Year End 2025 $14,557,800
Average SBA Loan Size as of Fiscal Year End 2025 $808,767
Average SBA Loan Rate over Prime (Prime is 6.75%) 2.66
FNBC Bank (AR)

Unlock Your Financial Potential with FNBC Bank (AR)

FNBC Bank, headquartered in Ash Flat, Arkansas, is an award-winning community bank with more than 100 years of history serving local businesses. Recognized as one of Arkansas’s strongest small business lenders, FNBC combines personal service with SBA lending expertise to help entrepreneurs access flexible, government-backed financing designed to fuel growth and long-term success.

Key Features of FNBC Bank

  • Comprehensive Business Banking: Business checking and savings accounts, cash management, merchant services, and digital banking tools to help businesses manage their finances efficiently.
  • SBA Loan Expertise: FNBC Bank actively participates in the SBA 7(a) and 504 loan programs, offering affordable, long-term financing for working capital, real estate, business acquisition, and equipment purchases.
  • Local Decision-Making: Lending decisions are made by experienced Arkansas-based bankers who understand regional industries, from manufacturing to agriculture to service-based businesses.
  • Flexible Commercial Lending Solutions: In addition to SBA programs, FNBC provides term loans, commercial lines of credit, and construction financing to meet business growth needs.
  • Community Commitment: Deeply rooted in northern Arkansas and southern Missouri, FNBC Bank supports local economic development, entrepreneurship, and community revitalization.

Why Choose FNBC Bank for SBA Loans?

FNBC Bank delivers a relationship-driven approach backed by strong SBA expertise. Its business lending team works closely with small business owners to structure loans that fit their needs — ensuring quick approvals, clear communication, and competitive terms. Whether you’re purchasing property, expanding your business, or launching a new venture, FNBC Bank provides the financial tools and partnership to make it happen.

How to Get Started

Ready to grow your business with an SBA loan or other financing option? Visit the FNBC Bank Business Banking page to explore available SBA programs, review eligibility, and connect with a local SBA lending expert.

Empower your financial future today with FNBC Bank — where Arkansas businesses grow with confidence.

Industry