Business Loans


Whether you are considering a purchase, start up, or refinance, First State Bank is ready to assist you. We can offer loan options and terms that are tailored specifically for you and with local decision making; we are with you every step of the way. 



Starting January 1, 2024, the Financial Crimes Enforcement Network (FinCEN) will implement new regulations requiring businesses to report Beneficial Ownership Information. Ensure your business's compliance by familiarizing yourself with the reporting requirements. 

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Purchase, Start-up, or RefinanceWanting to get your business going, but don't know where to start? Talk with a loan officer to determine which option is best for your business goals.  
Construction FinancingWhether it’s renovations or new construction, the time has come for your business to get a facelift. Funds from this kind of loan can be used to pay for labor or materials for the renovations of existing properties or for the purchase and development of land for a new commercial property.  
Land DevelopmentLand development loans are designed to fund improvements on the land. These would include site clearance, leveling, building roads, connecting sewers, water lines, etc. These loans can be used to acquire, subdivide, construct or renovate a parcel of land/property.  
Business AcquisitionA business acquisition loan allows you to finance the purchase of an existing business or franchise. You can also use this type of small-business loan to acquire specific assets from an existing company, such as equipment, as well as use it to buy out partners in your current business. 
Inventory & Equipment FinancingThis loan can be used for various business purposes, such as buying stock, preparing for the peak season, or expanding product lines. The loan is secured against the inventory, which is then used as collateral.  
Line of CreditA business line of credit is a flexible business loan that works similarly to a business credit card. Borrowers are approved up to a certain amount and can draw on their line of credit as needed, paying interest only on the amount actively borrowed.  
Small Business Association (SBA) LoanWe partner with the Small Business Administration to provide financing to help small business owners overcome barriers associated to getting their business up and running.  

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For questions and additional information on any of our products, please contact one of our E-Commerce Representatives at (903) 676-1900.

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