Jeffrey Druce

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With over thirty years of banking experience, I utilize my background in retail management, marketing, deposit operations and commercial lending every day. I also have substantial experience with non-profits where my roles have included Board Member, volunteer, Executive Director, and Chief Financial Officer.

I am a graduate of Millersville University of Pennsylvania where I received my undergraduate degree. I also attended Shippensburg University to receive my MBA and completed additional graduate work at Nova Southeastern University.
First National Bank Small Business Finance is a direct lender that values relationships with clients and clients’ advisors. We take the time to understand the financing needs and objectives of each business. As a Preferred Lender with the SBA, we offer financing options to businesses in 19 states and loan sizes that typically range from $350,000 to $12,000,000.

Typical uses of proceeds range from financing business acquisitions and partnership buy-outs where the loans are typically under-collateralized to financing owner user commercial real estate where clients are seeking a much lower cash injection and a longer fully amortizing loan. Expansion, debt restructures, leasehold improvement and equipment loans are also common uses of proceeds we entertain.

Benefits of SBA loans include:
• Lower down payments
• Longer term fully amortized loans
• No loan covenants
• High loan to value ratios
• Lower monthly payments

I will work hard to get the right financing for your business. Please contact me at (717) 553-6558 or to get started.