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Commercial Loans

Loans to Help Your Business Thrive

At First Option Bank, we believe local businesses are critical in helping our communities thrive and grow. No matter the size of your businesses, we offer lending solutions to help you enhance your business and better serve your employees and customers. Each commercial loan is handled by our expert lending staff and all decisions related to your loans are made right here in our offices. If you’d like to experience the difference of working with a local lender who understands the needs of your business, stop in to speak with the lending team at First Option Bank.

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Our Commercial Loan Solutions

Operating Lines of Credit

If your business experiences ebbs and flows in your cash flow, we can provide you with an operating line of credit that you can draw on as needed. As you repay the principal on your loan, more credit becomes available to you. Lines of credit can be used for anything from purchasing inventory to ensuring timely vendor payment.

Equipment Loans

Make sure your employees have everything they need to complete their work and serve your customers with an equipment loan. These loans can be used to purchase everything from machinery to office furniture.

SBA Loans

If you’re a small business looking to get your start or expand your operation, First Option Bank offers loans guaranteed by the Small Business Administration (SBA). SBA Loans often feature lower down payment requirements and longer, more flexible terms to help you overcome the barriers small businesses often face. SBA loans can be used for items that include:

  • Purchasing office space
  • Adding equipment and inventory
  • Financing working capital

Commercial Real Estate Loans

If your business needs a larger workspace, our lenders can provide you with a commercial real estate loan that allows you move into the space you need. These loans offer flexible terms and competitive rates that will allow you to have a repayment plan that works for you and your business.

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