Locations Log In Custom loans designed for any business and any need. Local Loans. Local Decisions. Our dedicated local lenders are ready to help determine the credit solutions that best fit your needs and help you grow your business. We offer a comprehensive range of products and services provided by local lenders. Throughout the years, we have learned that a one-size-fits-all approach to lending rarely produces the best results. Every business has its own unique set of needs. Apply Now Real Estate Purchases & Refinancing If your business plan involves the expansion of a current facility or the purchase of a new one, we can help navigate you through the purchase process. We discuss loan structure and documentation, environmental concerns, appraisals, and other items specifically related to commercial real estate. Our lenders provide the hands-on service you need to succeed. Commercial Lines of Credit Flexible and convenient credit lines can assist with smoothing out the seasonal cash flow cycle of your business or provide a safety net for unexpected expenses that may arise from running a business. Commercial Term Loans Whether it’s time to upgrade your equipment, inject working capital, or consolidate business debt into one convenient payment, we can structure payment plans to fit your cash flow stream and best fit your financial needs. We can help you leverage your company’s success to support your growth and profitability goals. Accounts Receivable Financing (Business Manager) Are your accounts receivables outstanding for months or longer? Do you have a seasonal business? Do you have long-term projects that are not paid until completion? We can help you manage your cash flow during slow times or when you’re patiently waiting for payments to arrive. Rest easy. Make payroll. Keep growing. Keep going with FSCB Business Manager. You’ll even get a helpful dashboard, customized to your business, to monitor receivables and other key metrics. USDA Loans We work with the USDA to provide loan guarantees for projects that provide jobs and facilities improvements in rural areas. Our lenders are experienced in USDA lending and can help identify if your project can work within the various programs offered by the USDA. SBA Loans Your loan needs for real estate, business acquisition, or permanent working capital can easily be financed through SBA 7(a) and SBA 504 programs that offer longer terms and lower down payments. Our lenders will work with you to determine if your needs meet the terms of these programs. Government Loans & Leasing Municipalities may find assistance on small to mid-sized capital projects without the potential hassles of bond insurance. Our prepayment provisions are often better than municipal bonds, with lower fees and competitive rates. Agricultural Lending Many of the communities we serve were built on the backbone of agriculture. As a bank with deep roots in agricultural lending, we have an in-depth understanding of the economic cycles and unique demands that affect our agricultural communities. Learn More Contact Us Please contact us today if you have any questions or need further information on how FSCB can help meet your business loan needs. Contact us We help with financial know-how Professional Help with your Business Attracting Employees Small Business Banking Building Funds - Small Business Setting Up Your Business PERSONAL BANKING Personal Checking Personal Saving Home Loans Home Equity Auto Loans Personal Loans Motorsports Credit Cards Online & Mobile Banking Debit Card FINANCIAL MANAGEMENT Explore Investments BUSINESS BANKING Business Checking Business Loans Commercial Credit Cards Business Services Agricultural Lending MasterCard Easy Savings INSURANCE First State Insurance Agency Simple Life Insurance Quote CUSTOMERS ATM & Branch Locations Order Checks Loan Appraisal Opt-In Form Contact Us Log In LOST OR STOLEN DEBIT CARDS? Call 1-877-955-3722 IDENTITY PROTECTION IDProtect® FINANCIAL EDUCATION Blog Education Library Financial Courses ABOUT About FSCB Contact Us ATM & Branch Locations Careers Scholarship COVID-19 Updates Download apps Join our community Stay connected © 2021 FSCB - All rights reserved Bank NMLS 412605 Web Security Privacy Policy First State Insurance Agency and First State Financial Management products are: not a deposit, not FDIC insured, not insured by any government agency, not bank guaranteed and may decrease in value.