Business Loans & Lines of Credit

We understand that every business is unique and has different borrowing needs that vary in unexpected ways. Our staff is experienced and fully prepared to evaluate your business as well as your future. We want to do more than just lend money, we want to create relationships built on one common interest: your business.

Working Capital Lines of Credit

1st Security Bank offers customized Working Capital Lines of Credit that allow you to obtain capital for short-term needs. The repayment schedules, terms, amounts, and collateral can be structured to meet the needs of your business. We provide flexibility for all business borrowing based on your specific circumstances.

Lines of credit may be used to finance:

  • inventory
  • accounts receivable
  • other seasonal cash needs

For more information or to apply for a Working Capital Line of Credit, please contact your local 1st Security Bank Branch Manager or speak with a business banking specialist by calling us at (800) 683-0973 or sending an e-mail to

Term Loans

If you’re looking for longer-term financing, a 1st Security business term loan may be the appropriate option.  A business term loan may be customized to match the useful life of the asset being purchased, for example, a loan for equipment with a useful life of three years may have a repayment term of three years. Another advantage to term loans is that the repayment schedules can be fit within your cash flow for convenient repayment.

1st Security Bank offers term loans to fit a variety of scenarios, some of which are described below.  We may also assist with refinancing your debt from another institution.

Equipment Financing

If you need to purchase equipment in order to grow or to continue operating long term, financing may be a better option than paying out of your cash flow.  By taking on a business loan, capital is conserved for other uses.

Business Acquisition Loans

Occasionally, growing your business may be better accomplished by an acquisition than by organic growth.  Purchasing another business (or acquiring the rest of your current business) can require more capital. 

To further discuss borrowing or to apply for a term loan, contact a business banking specialist by calling us at (800) 683-0973 or sending an e-mail to . If you prefer, you can contact your local 1st Security Branch Manager as well.

U.S. Small Business Administration (SBA) Loans

If you are a small business entrepreneur, allow us to assist you in obtaining the capital you need to realize your dreams with one of our U.S. Small Business Administration (SBA) loans.

SBA 7(a) loans may be used for everything from:

  • Acquiring a business or purchasing a building for your business
  • Purchasing equipment and inventory
  • Financing tenant improvements and fixtures
  • Working capital
  • Refinancing existing business debt

These loans are available up to $5,000,000. Repayment terms are typically between ten and twenty-five years depending on the purpose of the loan.

SBA loans are more flexible than conventional commercial loans in several ways, including:

  • Longer loan terms: The term length on a SBA loan is usually longer than conventional bank loans, meaning more manageable monthly payments over the life of the loan.
  • Low interest rate: The interest rates on SBA loans are competitive.
  • Low down payment requirements: In most situations, the down payment for SBA loans is lower than other types of business financing.
  • A government guarantee: This ensures that SBA loans are available to you when other types of financing may not. Lack of collateral is not necessarily a reason for decline.

All of these factors ultimately save money and preserve capital while also providing the necessary funds to get what you need for your business.

Receive personal guidance from one of our local SBA Relationship Managers, who will help you every step of the way. We promise you’ll always be treated like a person, never a number. It’s the 1st Security Bank difference.

To further discuss borrowing or to apply for our SBA loan, contact us at (800) 683-0973 or


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