Business Loans

Commercial Lending to Meet the Needs of Businesses Large and Small

Our business loans are designed to cater to the diverse needs of businesses, from small startups to established enterprises. Fuel your business growth. Finance an expansion. Fund your day-to-day operations. Keep your business growing with First Bank and Trust Company as your financial partner.

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Your SBA Lender

Small Business Loans

SBA financing provides varying programs to meet the needs of small business owners. As a trusted SBA lender, First Bank and Trust Company is the best bank for small businesses in our community. Whether you need seasonal capital, funds for acquisition, debt refinancing, or startup money, we can help you select an SBA loan program to reach your business goals.

Need Working Capital to Cover Business Needs?

Our business term loans provide the means to stay competitive, expand your operations, and adapt to the ever-evolving market conditions. We offer competitive rates and terms for installment financing solutions. Get access to the capital you need to grow your business.

Flexible Access to Funds

Business Line of Credit

When you need financing that's as versatile as your business, consider an unsecured or secured business line of credit. Use your credit line as often as needed to support your business operations, and only pay interest on the amount you borrow.

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USDA B&I Loans

USDA Business & Industry Guaranteed Loans

As a local bank, we take pride in championing our rural business partners. First Bank and Trust Company is an active participant in the USDA Rural Development B&I Loan Program, helping to ensure our local businesses have access to guaranteed financing. There are various loan solutions in the program and our Lenders are here to help you along the application process.

Competitive Rates for Business Property

Commercial Real Estate Loans

Looking to acquire, refinance, remodel or build a new business property? Partner with First Bank and Trust Company for your commercial mortgage or land loan. We offer competitive rates and flexible structuring. We even provide servicing for the life of your loan.

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