Business

Small Business and Commercial Loans

At First State Bank, we know what it is like to run a small to mid-size business – we are one!  Our community lenders can craft customized loans to meet your business needs – from start-up and working capital to restructuring and expansion.  Discuss your business needs with a commercial lender at a branch near you.

Why First State Bank

  • Our lenders have many years of experience in all aspects of commercial lending and can expertly customize a lending relationship for your business.
  • A committee of our tenured lenders meets on a weekly basis to analyze new loan requests, which provides for a very prompt turnaround. As a result, we can provide a quick decision on your loan request.
  • We are a privately-held company. Since we answer only to our employees and local, private stockholders, we can make decisions for the bank that are in the best interest of our customers.
  • We don’t have a one-size-fits-all approach. We know your situation may be unique, and we have a variety of loan products designed to accommodate almost all of your business needs.
  • We have been voted the best lender and best bank in the area by residents and local entities several times over the past decade.

Meet Our Team

Chesterfield / St. Louis

Jeffery Blanner

Jeffery Blanner

Vice President, Commercial Lending

Ph: 636-449-3792 jblanner@fsbfinancial.com

Tom Lloyd

Tom Lloyd

Credit Analyst, Commercial Lender

Ph: 636-449-3794 tlloyd@fsbfinancial.com

David Will

David Will

Senior Vice President, Commercial Lending

Ph: 636-449-3793 dwill@fsbfinancial.com

St. Charles County

Eric Ebeling

Eric Ebeling

Commercial Lending Officer

Ph: 636-940-5568 eebeling@fsbfinancial.com

Dave Harris

Dave Harris

Executive Vice President, Commercial Lending

Ph: 636-940-5511 dharris@fsbfinancial.com

Mark Prainito

Mark Prainito

Senior Vice President, Commercial Lending

Ph: 636-449-8761 mprainito@fsbfinancial.com

Doug Weber

Doug Weber

Senior Vice President, Commercial Lending

Ph: 636-940-5502 dweber@fsbfinancial.com

Dennis Zimmer

Dennis Zimmer

Vice President, Commercial Lending

Ph: 636-940-5593 dzimmer@fsbfinancial.com

Kansas City

Gregg Jontz

Gregg Jontz

Senior Vice President, Commercial Lending

Ph: 913-749-0080 gjontz@fsbfinancial.com

Loan Programs

TypePurposeEligibilityTermRateSpecial Requirements
Commercial Real EstateIdeally owner-occupied but in some instances can be investment real estateUp to 3 years, with amortization up to 20 yearsFixed or variable
Construction FinancingOwner-occupied residential construction OR commercial real estate constructionTypically 6 monthsFixed or variable
Equipment FinancingPurchase equipmentUp to 3 years, with amortizations tied to the useful life of the equipmentFixed or variable
Revolving Lines of CreditProvide working capital funds to growing businessesOne year term, interest is payable monthlyVariable
Missouri Linked Deposit ProgramFor small, growing businesses looking for a longer-term, low fixed-rate optionFor-profit businesses with less than 100 employees, headquartered in MissouriUp to 5 yearsFixedMust not currenly owe any unpaid, non-protested taxes to the State of MO or any political subdivision
SBA 504Designed for long-term, fixed asset loans including land, building, and/or equipmentFor-profit businesses that meet SBA size standards for an SBA guaranteed loanUp to 10 years, however, this can vary depending on how the funds are used and the lifespan of the collateralA Portion of the loan is fixed for 20 yearsCDC approval also required
SBA 7(a) LendingPurchase of land, equipment, expansion, renovation, new construction, working capitol, etc.For-profit businesses that meet SBA size standards for an SBA guaranteed loanUp to 25 yearsFixed or variableSBA approval also required

Getting Started (Applications & Forms)

Click on the links below to download the necessary paperwork to apply for the loans listed above.

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