Business Lending

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

Our SBA loan information has moved to a new page: SBA Lending


Personal Banking

Personal Banking

Business Banking

Business Banking

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