Flagstar Bank, National Association

Flagstar Bank, National Association is a federally chartered commercial bank headquartered in Hicksville, New York, with roots tracing back to 1859. On the business lending side, it offers a range of commercial products including lines of credit, term loans, equipment finance, commercial real estate financing, and construction finance. The bank's consumer-facing website emphasizes personal banking products — checking, savings, home loans, and wealth services — so prospective business borrowers may need to engage a commercial relationship manager directly to explore lending terms and eligibility criteria. Because Flagstar operates as a full-service national bank, it may be best suited for established businesses seeking a relationship-oriented lender rather than a fast, online-first experience. Minimum credit score, revenue, and time-in-business requirements are not publicly disclosed, so borrowers should contact the bank directly for qualification guidance.