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Business Banking

Business Loans

Our lending staff has extensive experience in all aspects of commercial lending. Whether it is for expansion of your current business operations, restructuring of existing debt, seasonal lending or just assisting with daily cash flow management, First Community Bank and Trust can help. We pride ourselves on providing customized, needs based solutions for your lending requests. Unlike many financial institutions all loan decision making is made locally.

Experience Helps

With an average of over 20 years of experience in commercial lending, our loan officers have the expertise and knowledge to help you and your business become more profitable with an appropriately structured business loan. Quick answers and quality service are our trademarks.

Business Loans Available from First Community Bank and Trust
Working Capital
Lines of Credit

Provides financing to efficiently manage cash flow with access to funds on a short-term basis for daily business operations.

Equipment Financing

Used to purchase new or used equipment to upgrade or expand your existing facility.  Various flexible terms and conditions are available to meet your specific needs.

Letters of Credit

Issued to guarantee proof of payment or performance, without pledging other current assets.

Owner Occupied Commercial Real Estate Financing

Provides financing options for property acquisition, or refinance of existing debt to more favorable terms.  Programs also available for non-owner occupied investor real estate and farmland.


Used for the acquisition of land and the construction of a new building or the expansion of an existing facility.

Agricultural Financing

Both equipment and annual production financing options with loan terms customized to meet the borrower’s needs.

Talk to a Loan Officer


All offers of credit are subject to credit approval.


Business Loan Assistance