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Business Loans

Commercial lending—small business startup loans to restructuring and expansion—serviced with efficiency in-house.

Customized business loans, serviced in-house

At First State Bank of St. Charles, we know what it’s like to run a small to mid-size business—we are one. That’s why we craft customized business loans, from start-up or working capital to financing for expansion.

Voted best lender. We’re consistently voted best lender by residents and businesses, a proud honor we attribute to three things:

  • We know the local market.
  • We make all lending decisions and underwrite all loans in-house.
  • We help keep the local economic engine humming along smoothly.

The upshot: No getting lost in the shuffle when you apply. Faster decisions. And shorter wait periods for closings.

Partner with a bank invested in your best interests. Contact a commercial lender today to apply.

Commercial Real Estate

  • Owner-occupied property or investment real estate
  • Terms up to 5 years, with amortization up to 20 years
  • Fixed or variable rates

Contact a commercial lender today to apply.

Equipment Financing

  • Funds for equipment purchase
  • Terms up to 5 years, with amortizations tied to useful life of equipment
  • Fixed or variable rates

Contact a commercial lender today to apply.

Revolving Lines of Credit

  • Provides working capital funds to growing businesses
  • One-year term with interest payable monthly
  • Variable rates

Contact a commercial lender today to apply.

MOBUCK$

  • For small, growing businesses looking for longer-term, low fixed-rate options
  • For-profit businesses with less than 100 employees, headquartered in Missouri
  • Must not currently owe unpaid, non-protested taxes to the state of MO or any political subdivision
  • Terms up to 5 years
  • Fixed rates

Contact a commercial lender today to apply.

SBA 504

  • Designed for long-term, fixed asset loans, including land, building, and/or equipment
  • For-profit businesses that meet SBA size standards for an SBA guaranteed loan
  • CDC approval also required
  • Terms up to 10 years but may vary based on use of funds and lifespan of collateral
  • Portion of loan fixed for 20 years

Contact a commercial lender today to apply.

ACH/Positive Pay

Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to stop fraud in its tracks.

Checking Accounts

Choose a checking account from a local bank you know and trust. We offer a range of options from no frills to premium.

Take out a mortgage with a community bank that cares about you and your needs and has the lending power to offer mortgages in all 50 states.

Health savings accounts. Savings accounts that build basic financial literacy. Money market accounts. And more ways to grow your money.

Access your business bank accounts online or on the go with our mobile banking app.

Financial literacy resources at your fingertips.

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Tools & Resources

Security news, annual reports, credit card interest calculators—it’s all right here.

Savings Account Interest Rates

Check our latest rates to see just how much you can save.

    Disclosures

    The Missouri FIRST linked deposit lending program is administered by the Missouri State Treasurer’s Office in cooperation with lending institutions. 504 loans are implemented by the Small Business Administration with support from the Department of the Treasury and in cooperation with lending institutions. First State Bank is available to assist our bank customers with the loan process for these state and federal programs. Visit MOBUCK$ and sba.gov for additional information on these programs.