Operating Credit:

• Operating credit helps First Nations finance short-term credit requirements by providing working capital to bridge delays in funding agreements, trust settlements, and own-source revenue payments.

• Operating credit supports a company's short-term needs, such as working capital for inventory purchases and accounts receivable.

Letters of Credit:

• Facilitates secure payments for goods and services in domestic and international trade.

FNBC Business Visa:

• Designed for Indigenous governments and business owners seeking financial convenience and control.
• Offers features to simplify business travel and day-to-day expenses.

• Provides up to 100% financing for community-related facilities and infrastructure, such as:
  
  • Land purchases
  • Business acquisitions
  • Construction of owner-occupied buildings
  • Investment real estate
  • Machinery and equipment purchases
  • Debt restructuring
• Offers variable and fixed rate options with terms up to 5 years and amortization periods typically ranging from 5 to 15 years.
• FNBC’s term loans may be paired with government-guaranteed programs offered through Export Development Canada and Canada Infrastructure Bank, depending on the loan purpose.

• Use collateral such as proven “Own Source Revenues” or Trust settlement distributions to provide Indigenous communities access to capital.
• FNBC customizes solutions that include revolving lines of credit secured by future cash flow payments, real estate and certain other property. 

Export Development Canada (EDC) assists Canadian company’s that support International business opportunities by providing insurance, guarantees and financing that complement business banking relationships with lenders such as FNBC.

EDC provides innovative financing and risk management solutions that allow lenders, such as FNBC, to provide business with additional access to credit including:

• Export Guarantee Program (EGP): EGP helps businesses access additional credit by providing lenders, such as FNBC, with guarantees for financing related to export related activities, including working-in-progress and foreign inventory, operating lines of credit, and foreign investments.
• Trade Expansion Lending Program (TELP): Access more working capital directly from a lender, such as FNBC, and fuel your business growth by participating in Canada’s robust resource based economy.  Whether that is to fund your operation, take on new contracts, expand production capacity with a CapEx loan or pursue other business opportunities to grow your business internationally.

• FNBC has partnered with CIB to create a financing product for Indigenous community infrastructure needs.
• Financing can be arranged at preferred rates if an Indigenous community or its corporate entity owns or controls 100% of the land.
• The financing covers infrastructure costs, such as site servicing, utilities, roads, paving, etc.
• Maximum CIB loan amount is $20 million.
• CIB loans can be combined with FNBC’s typical project financing products, including:
  • Band offices
  • Community centers
  • Housing subdivisions
  • Roads
  • Urban reserve land development
  • Other economic development infrastructure and building projects.