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First State Bank will customize a specific loan package to meet your business needs. From start-up and working capital to restructuring and expansion, we understand business and work with owners and managers to find the best financing solution available. We can provide loans, lines of credit and letters of credit based on the needs of your company. Maximize your cash management with our sweep account arrangements.

Discuss your business needs with a commercial lender at a branch near you.

 PurposeEligibilityTermRateSpecial Requirements
Commercial Real Estate
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Ideally owner-occupied but in some instances can be investment real estate   Up to 3 years, with amortization up to 20 years Fixed or variable  
Construction Financing
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Owner-occupied residential construction OR commercial real estate construction   Typically 6 months Fixed or variable  
Equipment Financing
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Purchase equipment   Up to 3 years, with amortizations tied to the useful life of the equipment Fixed or variable  
Revolving Lines of Credit
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Provide working capital funds to growing businesses   One year term, interest is payable monthly Variable  
Missouri Linked Deposit Program
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For small, growing businesses looking for a longer-term, low fixed-rate option For-profit businesses with less than 100 employees, headquartered in Missouri Up to 5 years Fixed Must not currenly owe any unpaid, non-protested taxes to the State of MO or any political subdivision
SBA 504
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Designed for long-term, fixed asset loans including land, building, and/or equipment For-profit businesses that meet SBA size standards for an SBA guaranteed loan Up to 10 years, however, this can vary depending on how the funds are used and the lifespan of the collateral A Portion of the loan is fixed for 20 years CDC approval also required
SBA 7(a) Lending
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Purchase of land, equipment, expansion, renovation, new construction, working capitol, etc. For-profit businesses that meet SBA size standards for an SBA guaranteed loan Up to 25 years Fixed or variable SBA approval also required


Click on the links below to download the necessary paperwork to apply for the loans listed above.

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