Overview
Business Loans
Growing a business takes capital — and capital decisions shouldn't be made by an algorithm in another state. FSCB business loans are underwritten locally by bankers who know your market, your industry, and your potential.
1
Speak with a Business Banker
We start with a no-obligation conversation to understand your funding needs and timeline.
2
Submit Your Application
Provide business financials, tax returns, and business plan. We guide you through every document.
3
Receive Your Decision
Local underwriting means faster answers. Most decisions within 3–5 business days of complete application.
Features
Built for how business works
SBA 7(a) & 504 Loans
Access SBA-backed financing with lower down payments and longer repayment terms for qualified businesses.
Commercial Real Estate
Purchase or refinance owner-occupied or investment commercial properties with local expertise.
Equipment Financing
Finance new or used equipment with terms matched to the useful life of the asset.
Business Lines of Credit
Revolving credit lines provide flexible access to working capital exactly when you need it.
Construction Loans
Finance ground-up construction or major renovations with draw-based construction financing.
Agricultural Lending
Specialized loan programs for farms, ranches, and agribusiness operations.
Account Options
Choose your account tier
Business Term Loan
Monthly FeeFixed or variable rate
Minimum / Eligibility$10,000–$1M
Key Feature12–120 months
ExtrasEquipment, expansion
Get StartedRecommended
SBA Loan Program
Monthly FeeSBA-backed rate
Minimum / Eligibility$50,000–$5M
Key FeatureUp to 300 months
ExtrasLower down payment
Get StartedRates and terms are based on business financials, collateral, and creditworthiness. Contact a business banker for a detailed proposal.
FAQ
Common questions
What financial documents do I need to apply?
Typically 2 years of business tax returns, current P&L and balance sheet, business bank statements, and personal tax returns for owners with 20%+ ownership.
Do you offer loans to startups?
Yes, with certain conditions. Strong personal credit, collateral, and a solid business plan can qualify a startup for SBA or conventional financing.
How long does the approval process take?
Conventional business loans typically take 5–10 business days. SBA loans take 2–6 weeks depending on the program and loan size.
Can I pay off the loan early without penalties?
Conventional loans have no prepayment penalties. Some SBA loans include prepayment provisions in the first 3 years — your banker will walk you through the terms.
Ready to get started?
Speak with a local FSCB business banking advisor — no obligation, no pressure.