The Flexibility Your Business Deserves

Every business experiences cash flow gaps from time to time. A Business Line of Credit from First State Bank gives you access to funds whenever you need it, so you can handle the unexpected, take advantage of opportunities, or cover short-term expenses. 

• Revolving Access to Funds: Borrow, repay, and borrow again as needed.
• Interest-Only Options: Pay interest only on what you use.
• Local Expertise: Work with decision-makers who understand your business.
• Fast Approvals: Get the funds you need without long delays.

What Can a Business Line of Credit Do for You?

• Cover short-term expenses like payroll or fixed overhead costs.
• Take advantage of seasonal inventory discounts.
• Bridge cash flow gaps between receivables and expenses.
• Manage unexpected expenses or explore new opportunities.

How It Works

• Interest is charged only on the amount you borrow.
• Variable rates tied to the Prime Rate keep payments manageable.
• Lines are renewable annually, with quick approvals based on your business’s financial picture.

Calculators

Whether you're trying to determine what it will take to pay off your loan, how much you should tuck away into your emergency savings account, whether or not you can afford that new car - or something else entirely - our calculators can help!