Local Lending Backed by Trusted Experience
At FSB, a Division of Y-12 Credit Union, we know that every small business has a story—and we want to be part of yours.
For over a century, we've helped local businesses grow, expand, and thrive across Southeast Kentucky and Northeast Tennessee. And even as we join the Y-12 Credit Union family, that part of who we are isn’t changing. In fact, we’re doubling down on what we’ve always believed: that relationships matter, decisions should be made close to home, and business owners deserve personal service and support—not a 1-800 number.
We offer a variety of loan solutions to meet the real-world needs of business owners in our communities—from farmers and contractors to retailers, medical professionals, and manufacturers. Whether you’re looking to expand your space, upgrade your equipment, or keep things running smoothly from season to season, we’re here to help you find the right fit.
Equipment Loans
FSB, a Division of Y-12 Credit Union, is here to support your business as you invest in the tools you need to succeed. We understand how important it is to have the right equipment in place—whether you're launching a new venture or expanding an existing operation.
Our experienced lending team is ready to guide you every step of the way. We offer financing options tailored to your specific goals, competitive interest rates, and flexible repayment plans designed to keep your cash flow strong.
We’re committed to working alongside you, finding the right loan solution, and helping your business grow with confidence.
- Heavy machinery and equipment
- New and used construction equipment
- Medical equipment
- Furniture, fixtures, and leasehold improvements
- Technology updates
- Vehicles and vehicle fleets
Business Lines of Credit
Every business goes through cycles—periods of rapid growth, seasonal slowdowns, and unexpected expenses. A business line of credit gives you the flexibility to access funds when you need them most, helping you stay competitive, cover operating costs, or seize new opportunities.
Whether you need short-term working capital or a safety net for the unexpected, a line of credit gives you peace of mind and the ability to move forward without hesitation.
Commercial Real Estate
Ready to take the next step in growing your business? Whether you're planning to purchase, build, or refinance commercial property, our team is here to help.
At FSB, a Division of Y-12 Credit Union, we understand how vital the right space is for your operation. We offer a variety of financing options and a lending team that takes the time to understand your goals—so you can secure a space that works for your present and your future.
We’ll walk with you through every phase of the process and help simplify what can often feel complex. From start to finish, we’re committed to helping you make smart moves for your business.