Finance your business plans without depleting your working capital. Ask a member of our business banking team for more information about short and long-term loan options. The application process is easy – we’re local so you’ll receive a quick response.
Lines of Credit
A revolving line of credit lets your business borrow on an as-needed basis to fill in gaps in cash flow, manage inventory, or expand your business. You will enjoy quick and easy access to cash when you need it. When you pay down the balance, you will replenish your available credit.
Purchase major equipment, vehicles and other large capital investments with a fixed-rate loan. Payment terms are generally for one year or longer.
Finance unexpected or emergency purchases without spending down your available cash. A short-term bank note can offer a lower interest rate than a credit card.
COMMERCIAL REAL ESTATE
If it's time to accommodate your company's growth with additional space, First State Bank and Trust can assist with financing. We have flexible products for purchases, refinances, or construction.
Government-guaranteed loan programs can help small business owners with their financing needs.
Commercial Letters of Credit
A letter of credit bridges the gap, and reduces the risk for both parties. A documentary draft must be presented to the issuing bank for payment.
We’re here to help! Contact one our commercial lenders here.