Business Loans

Summary

• Competitive rates for a wide range of business expenses:
  • Working capital
  • Equipment
  • Machinery
  • Inventory
  • Facility improvements
  • And more
• Repayment terms customized to fit your business’s unique needs
• Automatic payments available
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Getting Started

FSB provides financing for a large variety of small business needs.

Below is a list of the information that you will need to provide to apply for a Small Business Loan. This information enables us to better understand your business and how it operates.

• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)
• Current Financial Statement
• Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Customized commercial real estate loan solutions
• Cover a number of business real estate needs, including:
  • Purchases
  • Rental income properties
  • Business acquisition loans
  • Expansion loans
  • Refinancing options available
• Fixed and adjustable annual percentage rates
• Flexible term options
• Construction loans also available
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Getting Started

FSB provides financing for real estate purchases, refinances and cash-out loans. Residential rental loans may be amortized up to 30 years. The loan amount cannot exceed 80% of the appraised value of the property. Large acreage parcels of more than 40 acres have a maximum loan to value of 65%.

Below is a list of the information that you will need to provide to apply for a Real Estate Loan. This information enables us to better understand your business and how it operates.

• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)
• Current Financial Statement
• Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Short-term loan option
• We offer both new construction and renovation needs
• Smooth transition to permanent financing
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a Business Construction Loan. This information enables us to better understand your business and how it operates.

• Plans and cost estimates (if available)
• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Capitalize on opportunities and cover unexpected expenses
• Can be used to finance a wide range of seasonal or ongoing needs
• Immediate access to funds when needed
• Improve cash flow capabilities
• No need to reapply to re-access funds
• Use funds as needed instead of lump sum
• Pay interest only on the amount you use
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

Getting Started

FSB offers revolving, committed, and floorplan lines of credit. Generally, lines of credit have a maturity of one year or less with interest paid monthly.  For extended term operating lines of credit, please view our CELOC page.  (This should be a link)

Below is a list of the information that you will need to provide to apply for a Line of Credit. This information enables us to better understand your business and how it operates.

• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)
• Current Financial Statement
• Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Meet all your agricultural financial needs:
  • New and used equipment loans
  • Livestock loans
  • Crop and cattle loans
  • And more!
• Competitive rates
• Customizable lending options
• Easy application process
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

Getting Started

We finance both livestock and crop productions. Below is a list of the information that you will need to provide to apply for an Agricultural Loan. This information enables us to better understand your business and how it operates.

• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)
• Current Financial Statements detailing livestock and crops on hand

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Competitive rates that work with your budget
• Increase purchasing power online and at stores all over the world
• No balance transfer fees
• Manage your card easily online
• Enjoy ScoreCard® Rewards for every dollar you spend

Please contact any branch for a credit card application.

Pay my credit card here.

Summary

• Competitive interest rates for a wide range of ongoing expenses:
  • Facility improvements
  • Equipment purchases
  • Renovation projects
  • And much more!
• Direct, anytime access to funds without reapplying
• Revolving credit — when you repay, your limit is replenished for future borrowing
• Affordable payment plans
• Only pay interest on the part that’s used
• Prompt, local decision-making and processing
• Detailed, attentive service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a Line of Credit. This information enables us to better understand your business and how it operates.

• The last 3 years Personal Tax Returns
• The last 3 years of Business Tax Returns (if a separate return is filed)
• Current Financial Statement
• Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Summary

• Funding available for vehicles, equipment and real estate.
• Construction funding available.
• Long-term, fixed rate financing for building and real estate.
• Interest is calculated on the outstanding balance and is not tied to a leasing schedule.
• Payments in arrears.

 To speak with a loan officer, contact an FSB branch.