When was the last time your banker gave you a same-day decision? For most business owners, the answer is "never" – but Andy Nadeau and his team at FB Financial are changing that reality in Western North Carolina.
"We tell business owners what they need to hear instead of what they want to hear," explains Nadeau, who brings over three decades of financial experience to his role. This straightforward approach represents just one way his team is disrupting traditional banking. While most financial institutions have centralized their decision-making processes, FB Financial keeps every business decision local. This proves especially crucial for Asheville businesses that experienced challenges last year – situations that distant decision-makers in Charlotte or Atlanta simply wouldn't understand.
The results speak for themselves. Eight months after launching in Asheville, FB Financial is ahead of schedule on their ambitious "Path to $100 Million" initiative to support local economic growth. Their success stems from approaching banking entrepreneurially, offering everything from $500,000 credit lines to $25 million commercial property rehabilitations.
What truly sets them apart is their consultative mindset. "We're advisors first," Nadeau emphasizes. Unlike banks that interact with clients only during annual renewals, FB Financial positions themselves alongside CPAs and attorneys as trusted advisors who should be the first call before any major business decision. This approach has business owners responding with surprise: "Our bankers don't talk to us like this."
Nadeau's team-building philosophy further reinforces their distinctive culture. He seeks confident professionals with complementary skills rather than identical ones, memorably noting, "You do not want 10 more Andys." This balanced approach, combined with their CAPP framework (seeking clients who Cooperate, Appreciate, Prosper, and Pay), creates fertile ground for mutual success.
Connect with FB Financial at their Biltmore Park offices or through their website to experience banking that moves "at the speed of your opportunity."

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