First National Bank of America

First National Bank of America (FNBA) is a nationally operating commercial bank headquartered in East Lansing, MI. It's perhaps best known as a non-QM mortgage lender — recognized on the 2025 Scotsman Guide Top Mortgage Lender list — but also offers a broader suite of business financing products including lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. A standout specialty is self-directed IRA lending, a less common option that may appeal to real estate investors structuring deals through retirement accounts. FNBA carries a well-established reputation with a long accredited operating history. For small businesses, it appears most relevant to those with real estate or construction capital needs, or borrowers who fall outside conventional lending criteria. Specific rates and eligibility minimums aren't publicly listed, so contact FNBA directly to confirm terms.