Commercial Real Estate

Purchase Commercial Property

First Bank and Trust Company is here to assist you with all your commercial real estate loan needs. Our experienced lenders understand the requirements of real estate loans, whether it's for acquisition, refinance, remodeling or new construction projects. Our goal is to see your business grow.

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Our dedicated, local team of Commercial Lenders will guide you through every step of the loan process, ensuring a seamless experience. You can expect:

  • Flexible commercial real estate loan structures to meet the timing of your repayment source
  • Competitive terms – fixed and variable rates available
  • Very low fees compared to most commercial lenders
  • Loans available from $5,000 up to $40 million

  • Owner-Occupied Commercial Real Estate Loans allow you to invest in your current and future property needs. Loans are available for office spaces, warehouses, manufacturing, retail establishments, and non-profit community projects.
  • Non-Owner Occupied Commercial Real Estate Loans allow you to acquire investment properties. Loans are available for office spaces, apartments, shopping centers, warehouses, manufacturing facilities, retail shops, churches, and other non-profit facilities. 
  • Commercial Real Estate Construction Loans are available for both owner-occupied and non-owner-occupied investment property projects. With branches strategically positioned throughout Virginia, North Carolina and Tennessee, we aim to be your “boots on the ground” to handle inspections and other financial aspects of construction. This is a critical factor in keeping the pace of construction projects. 

Commercial Real Estate Loans can be complex, so it's best to work with your local, experienced Commercial Lender to determine eligibility and requirements, and to get a custom quote for rate and repayment terms.

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Experienced, Local Partners

You Benefit with a Local Commercial Real Estate Lender

We ensure your commercial lending journey is worry-free and seamless. We provide life-of-loan servicing for commercial real estate clients, from customer service to payment processing. When it comes to your commercial real estate loan needs, choosing a local, experienced lender like First Bank and Trust Company can make all the difference:

  • Local, personal support teams skilled in handling your loan, deposit, and treasury needs 
  • Consultations from a lending team that knows you and cares about your business
  • We partner with you to facilitate the growth of your business
  • Fast turnaround times through our local loan authorities and decision making processes

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