FDIC-Insured — Backed by full faith and credit of the U.S. Government
Custom loans designed for any business and any need.
If your business plan involves the expansion of a current facility or the purchase of a new one, we can help navigate you through the purchase process. We discuss loan structure and documentation, environmental concerns, appraisals, and other items specifically related to commercial real estate.
Flexible and convenient credit lines can assist with smoothing out the seasonal cash flow cycle of your business or provide a safety net for unexpected expenses that may arise from running a business.
Whether it’s time to upgrade your equipment, inject working capital, or consolidate business debt into one convenient payment, we can structure payment plans to fit your cash flow stream and best fit your financial needs.
We can help you manage your cash flow during slow times or when you’re patiently waiting for payments to arrive. Rest easy. Make payroll. Keep growing. Keep going with FSCB Business Manager.
We work with the USDA to provide loan guarantees for projects that provide jobs and facilities improvements in rural areas. Our lenders are experienced in USDA lending and can help identify if your project can work within the various programs offered by the USDA.
Your loan needs for real estate, business acquisition, or permanent working capital can easily be financed through SBA 7(a) and SBA 504 programs that offer longer terms and lower down payments. Our lenders will work with you to determine if your needs meet the terms of these programs.
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Many of the communities we serve were built on the backbone of agriculture. As a bank with deep roots in agricultural lending, we have an in-depth understanding of the economic cycles and unique demands that affect our agricultural communities.
Cash flow. Equipment. Expansion. Whether you need a line of credit to manage cash flow or have decided to expand your business, First State Community Bank is here to help.
Throughout the years, we have learned that a one-size-fits-all approach to lending rarely produces the best results. Every business has its own unique set of needs.
Our experienced local lenders are ready to help determine the customized financing solutions that best fit your needs and help you grow your business. We offer a comprehensive range of products and services with flexible options for every business.
