Loan Center

Professional Loan Programs

Service 1^st Bank recognizes the special needs of the professional, whether a salaried employee or a business owner. We will work with you to structure a financing package that will meet your requirements. We are not limited to offering canned, off-the-shelf, standard loan products. Therefore, we listen and then discuss loan structure, whether it is a line of credit, term loan, transactional loan, or a combination thereof.

Business Loans

Service 1^st Bank specializes in business lending. Whether you are a sole-proprietor, a partnership, or corporation we want to become your financial institution. Our highly trained and knowledgeable relationship managers provide added value through understanding your needs and structuring a loan package that will meet your needs. This package may include various lines of credit, term financing, leasing, international trade products, and commercial real estate loans.

Real Estate Construction Financing

Service 1^st Bank offers financing for all types of real estate projects from a single family residence to complex commercial projects, including land acquisition and development loans.

Real Estate Loans

Service 1^st Bank can provide fixed and variable rate loans to purchase or refinance business and residential properties. These loans are available for either owner or non-owner occupied properties.

Agricultural Loans

Service 1^st Bank provides various loan products to meet the financing needs of the agricultural industry. Our experienced relationship manager is able to properly analyze the credit needs of small and medium sized farm operations. Whether your need is a production line, a crop development loan, equipment financing, or real estate financing we address your request not as a commercial lender, but as a traditional farm credit lender.

Government Loan Programs

Service 1^st Bank supports various government loan programs that are available to businesses and farmers. These programs provide financing to borrowers having difficulty in finding a loan that meets their credit needs. Whether you need a lower down payment, a longer repayment term, or more flexibility with regards to collateral, a government loan program may be appropriate.

Equipment Leasing

Service 1^st Bank has the resources to provide businesses with the option of leasing equipment, furniture, and fixtures.

Consumer Loans

Service 1^st Bank provides a wide array of consumer loan products to its customers. These products include equity lines of credit and term loans; passenger and recreational vehicle financing; unsecured loans; and access to major credit cards.

Not-For-Profit Financing
Service 1^st Bank understands the unique financial position of not-for-profit organizations. While most financial institutions try to evaluate these organizations with traditional lending tools, we approach your loan request with "outside-the-box" understanding of the nature of your business. We strive to understand the intrinsic value of your operation.

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