Business Loans

Commercial Loans

Every day, your competition gets a little smarter. Your customers demand a little more services. Your employees ask for a little more help. But there's nothing "little" about your banking needs. This is the world in which you do business: an uncertain, highly competitive, constantly changing market full of hazards, some known, others hidden.


Whether you need start-up financing, money for expansion, new equipment, inventory or operating capital, you'll find a business loan or line of credit that is just right for you. Also, you will find people who really want to help you reach your business goals.


The members of our board of directors, officers and staff are all local people, your friends and neighbors, people you see often, people who care about you and our community. When you place your trust in Community First, we realize that you are choosing us as a financial partner. You deserve the very best we can provide.

Installment Loans

When you want to purchase or refinance vehicles, equipment or other business assets, this may be your best choice.

  • Take up to 5 years to repay.
  • Lock in a fixed interest rate or choose a variable rate.
  • Make monthly payments by automatic draft or coupon book.

You have a great deal of flexibility in choosing assets to use as collateral. You can include company vehicles, machinery and equipment, stocks and bonds as well as other assets.

Business Mortgage Loan

When you want to buy or refinance business real estate, consider a business mortgage loan.

  • Take up to 20 years to repay.
  • Fixed or variable interest rates.
  • Make monthly payments by automatic draft or coupon book.
  • You can obtain financing with either a first or second lien on your property.
  • With a loan that is fully amortizing, there is no need to renew.
  • Competitive rate reduces your interest expense and helps you build equity faster.

Line of Credit

When you need a flexible and convenient way to manage your cash flow, a business line of credit could be the answer.

  • Revolving line of credit with annual review.
  • Variable interest rate.
  • You can choose to make minimum monthly payments with interest or use an automatic draft option.
  • Your credit is available when you need it. Depending on the line you choose, you may access your credit line via telephone transfers, checks or personal withdrawals at the bank.
  • You can choose overdraft protection for your business checking accounts