At First Federal, we recognize that your business is unique, and we take pride in getting to know you and your business. Our professional and experienced business bankers can provide a variety of competitive business loan products. Decisions are made locally allowing us to respond quickly to your requests for credit.

How to Apply
To start the application process, stop in or call the nearest First Federal branch location. A personal financial statement may be required with your application.

Working Capital Loans or Lines of Credit
When your business requires short or intermediate term working capital funds, our business bankers can help you with a loan or line to meet your working capital needs.

Equipment Loans
If you are purchasing equipment for your business, talk to us first. Our competitive fixed rates and flexible terms can help your business with its capital expenditure plans. We can also assist with direct payment to the vendor to expedite delivery.

Real Estate Loans
When you are looking to purchase or refinance commercial real estate or investment property, our experienced business bankers can assist you. We offer a variety of rates and terms, and can tailor a loan to match your business needs.

Construction Loans
When planning to build a new facility or expand an existing facility, our commercial construction loan experts will help you every step of the way. We’ll provide pre-approval on a long term mortgage for your peace of mind before you start building. When you finance both your construction loan and long term mortgage with us, we are often able to give you added savings on closing costs. Our bankers also assist with monitoring the costs and disbursements during the construction process.

Agricultural Loans
Our agricultural lenders understand your business. Whether you need financing for operating expenses, crops, livestock, equipment, or real estate, we can help. We are interested in your business and will take the time to understand your farming operation.

Small Business Administration (SBA) Loans
Our experienced business bankers are able to offer financing programs through the Small Business Administration. We understand the important role that small business plays in the communities that we serve. SBA loans are available for real estate, construction, equipment, and other business needs.

Business Credit Cards
We offer our customers competitive business credit card account options. Call or visit your nearest First Federal branch location to find out how easy it is to apply for a business credit card account. If you have already established a business credit card account through our bank, you may access your account information and make payments online by visiting Credit Card Services.

• Credit card applications are subject to underwriting guidelines. All applications are submitted to our third party credit card partner for approval. Rates and terms may vary. See a banker for details.
• All business loans and lines of credit are subject to First Federal underwriting guidelines and approval. SBA loans are subject