You’re invested in the Tri-County area. You’ve built your business here. So if you need a commercial loan, it just makes sense to work with a bank that’s equally invested in the area.

One that wants to invest in your business’s success.

That’s 1st State Bank. Based right here in the Tri-County area. Owned and run by local
businesspeople. With decades of experience serving the business banking needs of people like you.

Offering everything you’ll need in commercial lending. Right where you want your business dollars to be invested ... locally.

LINE OF CREDIT
It’s the security of knowing the money is there if your business needs it. You may never need to tap into it, but it’s there. It’s convenient, inexpensive peace-of-mind.
• Secured and unsecured lines available
• Competitive rates
• Fast decisions

BUSINESS TERM LOANS
Perfect for your business’s large purchases — office equipment, furniture, equipment, vehicles — with terms, rates and payments that fit your budget ... perfectly.
• Predictable monthly payments
• Automatic debit feature — monthly payments can be electronically deducted from your 1st State Bank account
• Terms up to 5 years, depending on the asset financed
• Fixed and variable rates available

COMMERCIAL MORTGAGES
The right commercial mortgage can make all the difference in your monthly cash flow. Whether you’re buying, refinancing or expanding, you need the payment and terms that fit your business’s needs. We can do that.
• Fixed and variable rates available
• Terms up to 5 years with 15 year payment amortization
• Maximum loan to value of 80% for purchase or straight refinance transactions
• Maximum loan to value of 75% for a cash-out refinance
• Low closing costs

IN TOWN. IN TOUCH.
Build your business with the bank that’s invested in your success. Right here where you need us. Call or visit 1st State Bank or e-mail to get started.