Features & Benefits

Industry-Specific Expertise

First National Bank LI clients benefit from the industry-specific expertise of our commercial lenders.

  • Getting you the right loan customized to your business — at the right time — is our commercial lenders’ top priority
  • Our team will go to extraordinary lengths to help you get the funding your business requires

Business Line of Credit

Whether you’re a seasonal or growing business, managing your cash flow is easier with First National Bank LI.

  • A business line of credit from First National Bank LI can help you address working capital needs
  • Our lenders will evaluate your business and create a solution tailored to your business
  • You control the timing of your advances and when repayment/reductions are made to the line
  • Competitive variable interest rates

Small Business Line of Credit

Get a variable rate revolving line of credit through a simple, pain-free application through First National Bank LI.

  • Competitive rates and fees
  • Free up cash flow or meet operating needs
  • Access your credit line through checks or electronic transfer
  • Auto payment required from your First National Business Checking Account
  • Offers of credit are subject to credit approval

Small Business Installment Loan Products

Find the fixed-rate loan that works for you and your business, with terms up to 60 months.

  • Can be used to fund your business automobile or truck
  • Loans secured by equipment or deposit account held at the bank
  • Unsecured loans available
  • No origination fees on term loans
  • Competitive rates and fees
  • Auto payment required from your First National Business Checking Account
  • Offers of credit are subject to credit approval

Commercial Mortgages

We provide customized commercial mortgage solutions for your business or investment needs. Funding from First National can be an integral part of your success.

  • Whether you need funding for acquisition, refinance, renovation, or construction of commercial real estate, our Team is here to help
  • First National Bank LI underwrites and services all commercial mortgages
  • Solutions available for a variety of property types including multi-family, mixed-use, office, retail, industrial/R&D and others

Business Term Loans

Fund long-term needs without tying up your working capital with a business term loan.

  • Whether you need to fund equipment purchases, consolidate existing loans or finance other permanent needs, a business term loan could help
  • Our lenders will work with you to find a repayment structure on your terms
  • Floating and fixed-rate loans are available and repayment can be spread over a period of years

Trade Finance

Wherever you do business, First National Bank LI has you covered with international and exchange services.

  • We can help you with domestic or foreign trade needs through our trade finance products and services
  • Whether your needs include standby letters of credit, import and export letters of credit, documentary collections, foreign check collections, foreign currency exchange services, or forward contracts, our team has you covered

VISA Credit Cards with Rewards

Earn cashback and more on your business expenses with First National’s VISA Small Business Credit Card with Rewards.

  • Revolving credit line that can be used at most merchants where VISA is accepted
  • Employee cards are available at no additional cost
  • Earn rewards on your purchases with our ScoreCard Rewards program
  • Access Your VISA Account and ScoreCard Rewards at fnbli.com

All offers of credit are subject to change and credit approval. Other terms and conditions may apply. Real estate loans are subject to appraisal.

Excelsior Growth Fund

First National Bank LI is pleased to announce a partnership with Pursuit Lending to provide quick and easy access to small business loans under $100,000. The Pursuit SmartLoan features:

  • Competitive interest rates
  • Flexible terms
  • Simple, online applications
  • Approvals within 2 business days and loans funded within 5 business days of approval

The First National Bank of Long Island, The First of Long Island Corporation, its subsidiaries, affiliates and employees are not affiliated with Pursuit or any of its employees or officers. The First National Bank of Long Island is not liable and cannot be held liable for information obtained from or provided to Pursuit. All loans are subject to credit approval.
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Access to Decision Makers

Our attention to your banking and credit needs is second to none. We welcome the opportunity to put the First National customer-first experience to work for you.

  • Chris Hilton, Executive Vice President, Chief Lending Officer (516) 671-4900 x 7303, chris.hilton@fnbli.com
  • Robert P. Grady, Senior Vice President, Director of Middle Market Lending, (516) 671-4900 x 7341, robert.grady@fnbli.com
  • Margaret Curran-Rusch, Senior Vice President, Team Leader, Commercial Banking – Suffolk, (516) 671-4900 x 7335, margaret.curranrusch@fnbli.com
  • Brian Emigholz, Senior Vice President, Team Leader, Commercial Banking – Nassau & New York City (516) 671-4900 x 7308, brian.emigholz@fnbli.com
  • Richard O’Rourke, Senior Vice President, Team Leader, Commercial Real Estate, (516) 671-4900 x 7356, richard.orourke@fnbli.com
    *All offers of credit are subject to credit approval. Real estate loans are subject to appraisal.
    *Please do not send any private information.