First Carolina Bank

First Carolina Bank is a community commercial bank serving businesses across North Carolina and South Carolina. Its commercial financing lineup covers the core bases most small and mid-sized businesses need: lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Treasury management services round out the offering for companies that need day-to-day cash flow tools alongside longer-term capital. Specific rates, loan minimums, and approval criteria aren't publicly listed, so you'll need to connect with the bank directly to get terms. A good fit if you're an established business in the Carolinas looking for a relationship-oriented community bank with a broad menu of commercial financing options.