Small Business and Commercial Loans

Personalized Loans Options For Businesses

At First State Bank, we know what it is like to run a small to mid-size business – we are one! Our community bank prioritizes your business needs by crafting customized loans – from start-up and working capital to restructuring and expansion. We have been voted the best lender and best bank in the area by residents and local entities because we make decisions that are in the best interest of our customers. Your situation may be unique, that’s why we don’t have a one-size-fits-all approach. Contact our commercial lending team today to learn more about our variety of loan products designed to accommodate almost all of your business needs.

Loan Programs

Commercial Real Estate

Commercial Real Estate

  • Ideally property is owner-occupied but, in some instances, can be investment real estate
  • Term is up to 5 years, with amortization up to 20 years
  • Fixed or variable rates
Construction Financing

Construction Financing

  • Commercial real estate construction
  • Term is typically up to 9 months but may vary depending on project
  • Fixed or variable rates
Equipment Financing

Equipment Financing

  • Funds are used to purchase equipment
  • Term is up to 5 years, with amortizations tied to the useful life of the equipment
  • Fixed or variable rates
Revolving lines of credit

Revolving Lines of Credit

  • Provides working capital funds to growing businesses
  • One-year term, interest is payable monthly
  • Variable rates
Business Owner

MOBUCK$

  • For small, growing businesses looking for a longer-term, low fixed-rate option
  • For-profit businesses with less than 100 employees, headquartered in Missouri
  • Must not currently owe any unpaid, non-protested taxes to the State of MO or any political subdivision
  • Term is up to 5 years
  • Fixed rates
Business surveyor

SBA 504

  • 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
  • CDC approval also required
  • Term is 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

Applications and Forms

Click on the links below to access the necessary forms to apply today!

The Missouri FIRST linked deposit lending program is administered by the Missouri State Treasurer’s Office in cooperation with lending institutions. 504 loans are implemented by the Small Business Administration with support from the Department of the Treasury and in cooperation with lending institutions. First State Bank is available to assist our bank customers with the loan process for these state and federal programs. Visit MOBUCK$ and sba.gov  for additional information on these programs.