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BreadRoute Review
First Bank and Trust Company
3.5Our First Bank and Trust Company Review
First Bank and Trust Company is a Virginia-based community bank headquartered in Harrisonburg, serving businesses and individuals across the state. Its commercial lending lineup includes lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. The bank also carries a notable agricultural focus, offering farm operating loans, farm real estate loans, and USDA FSA Guaranteed Loans — making it appear well suited for rural and ag-related businesses in Virginia. Specific rates, minimum qualifications, and loan size ranges are not publicly disclosed, so prospective borrowers will need to contact the bank directly to gauge fit.
Who Is First Bank and Trust Company Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- Businesses that need equipment or machinery financing
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
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Other Commercial Bank lenders
First Bank and Trust Company Pros & Cons
Pros
- No minimum credit score requirement
- Wide range of financing products
Frequently Asked Questions
First Bank and Trust Company does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
First Bank and Trust Company offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.
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