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BreadRoute Review
First Century Bank
3.5Our First Century Bank Review
First Century Bank is a family-owned community bank headquartered in East Tennessee, founded in 1894. It serves businesses across the East Tennessee region with a practical range of commercial products: lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. Beyond lending, it offers business checking, business credit cards, merchant services, and cash management services. With well over a century of operating history, it appears well suited for small businesses that value a relationship-banking approach and a lender with deep local roots. Specific financing amounts and eligibility requirements aren't publicly listed — contact the bank directly to discuss your situation.
Who Is First Century Bank 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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Compare Alternatives
Other Commercial Bank lenders
First Century Bank Pros & Cons
Pros
- No minimum credit score requirement
- Wide range of financing products
Frequently Asked Questions
First Century Bank does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
First Century Bank offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.
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