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We’re here to help you grow.

You have plans for your operation. Projects. Expansion. Growth. You have the know how to get the job done. We’re here to help you with the financing that will support your plans. We’re proud to offer the programs, resources and expertise that will support you in realizing your goals.

Our experienced Commercial lending team will take the time to understand your goals and develop a customized financing program to help you achieve them. Local decisions mean faster turnaround time for you, so you can get back to business.

How to Apply

Swing by your Local Branch or Contact Us and ask about any of these lending options.
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Our Lending Options

    Lines of Credit

    A line of credit is the perfect way to manage your company’s short-term funding needs. Use it for seasonal cash flow or for business expansion.

    Term Loans

    Whether it’s for capital improvements or equipment, refinancing existing debt, or working capital, term loans are flexible and can cover a wide range of borrowing needs.

    Commercial Real Estate Construction and Permanent Loans

    Real estate loans are available to finance the purchase, renovation or construction of owner-occupied and investor-owned commercial properties. We have unique expertise in financing commercial real estate construction. Our rates are competitive and a member of our Business Banking team will work closely with you to ensure that the entire process goes smoothly.

    Equipment Financing

    Need new equipment in order to grow and stay ahead of the competition? We can provide the financing to make it happen. Whether it’s updating your computer system or purchasing commercial vehicles or equipment, we can finance it with payment terms designed to work within your budget.

    Enhancements Loans

    As an approved lender, First Farmers Bank & Trust can help you obtain loan programs through SBA (Small Business Administration), FSA (Farm Service Agency), and the USDA /Business & Industry program. These programs offer a variety of assistance for specialized applications to help your business get started or expand.

    Letters of Credit

    As your business bank, First Farmers Bank and Trust is ready and willing to stand behind you with a letter of credit if you need one – and we’re always available to discuss your credit needs.

    Credit Cards

    At First Farmers Bank & Trust, our industry leading credit card products offer competitive pricing combined with a full range of reward options - making it easy to select and apply for the card that meets your needs.
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Vehicle Financing

First Farmers Bank & Trust can provide financing for company cars and other commercial vehicles, all at competitive rates and with flexible terms.