Overview
Business Loans
The capital you need to grow your business shouldn't require a trip to a distant headquarters. FSCB business loans are underwritten by local bankers who know your market and your industry — from startups seeking their first credit line to established businesses financing major expansions.
Common uses
Equipment purchase
Working capital
Commercial RE purchase
Business acquisition
Franchise financing
Inventory purchase
Tenant improvements
Partner buyout
Why FSCB
What sets our loans apart
SBA 7(a) Loans
Up to $5M in SBA-backed financing with lower down payments, longer terms, and more flexible eligibility.
SBA 504 Loans
Long-term, fixed-rate financing for major fixed assets like commercial real estate and large equipment.
Commercial Real Estate
Purchase or refinance owner-occupied or investment commercial property with local market expertise.
Equipment Financing
Finance new or used equipment with terms matched to the asset's useful life — up to 10 years.
Business Line of Credit
A revolving credit facility for ongoing working capital needs — draw and repay on your schedule.
Agricultural Lending
Farm operating loans, equipment financing, and real estate loans tailored for agricultural operations.
Rates & Terms
Illustrative rate guide
* APR shown is illustrative and varies based on creditworthiness, term, and loan type. Contact FSCB for your personalized rate.
Process
How to apply
1
Initial Consultation
Meet with a business banker to discuss your needs, timeline, and which loan type fits best.
2
Submit Your Package
Two years of business tax returns, P&L, balance sheet, and personal financials for all 20%+ owners.
3
Local Decision
FSCB underwrites business loans in-house. Most decisions within 3–5 business days of a complete package.
FAQ
Common questions
Do I need collateral to qualify?
Most business loans require some form of collateral — real estate, equipment, or business assets. SBA loans include a government guarantee that can reduce collateral requirements.
Can startups apply?
Yes. Startups with strong personal credit, industry experience, and a viable business plan can qualify for certain loan types, particularly SBA programs.
How long is the SBA loan process?
SBA 7(a) loans typically take 30–60 days from complete application to funding. SBA 504 loans may take 45–90 days due to the dual-lender structure.
Do you offer construction loans for businesses?
Yes — FSCB offers commercial construction loans for ground-up builds and major renovations, with draws released in stages as work is completed.
Ready to apply?
Local decisions from people who know your community and want you to succeed.