Loan Center

Perhaps you are ready to start a new business, expand your present one, purchase new equipment, remodel your existing building or construct a new building, First State Bank can help with a loan designed to suit your business needs.

Commercial Loans

Business Loans
First State Bank can help your business with accounts receivable financing, inventory and equipment loans, and working capital term loans. Interest rates and terms are flexible to meet your needs.

Working Capital Line of Credit
Many businesses have found that a working capital line of credit arranged through First State Bank to be an invaluable financial tool for managing cash flow. This credit service has flexible interest rates and terms.

Accounts Receivable Financing Program
Our Accounts Receivable Financing Program is designed to instantly improve your cash flow and provide an ongoing source for cash. The bank buys your eligible receivables and you receive the cash to fund your business’ growth. This program can pay for itself and put additional profits in your pocket.


To inquire for a Commercial Loan, email your request for an application to loans@firststatebank.com. Please remember, this is an unsecured message, so do not include account numbers, social security numbers, or other sensitive information.

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Real Estate Loans

Commercial Real Estate Loans
First State Bank provides interim construction financing as well as permanent financing. Commercial real estate loans are offered with two-year rate adjustments. Amortization schedules can be based up to 15 years depending upon credit criteria.

All loans subject to credit approval. Member FDIC and Equal Housing Lender.

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