Business Loans

Business Loans with Bank First

When your business needs financing, whether large or small, Bank First is your first choice. We provide tailored financial solutions and exceptional service to help you achieve your business goals.

Why Choose Bank First?

Local Decision-Making: All loan decisions are made by a dedicated team of experienced bankers who live and work in your community.
Personalized Service: We prioritize building relationships with local businesses and their employees to better understand your needs and challenges.
Customizable Solutions: Our bankers collaborate with you to create flexible, value-driven financial plans tailored to your business.

Loan Options Tailored for Your Business

Working Capital Lines of Credit

Keep your business agile and prepared for the unexpected. Whether you’re navigating seasonal fluctuations or managing day-to-day expenses, our working capital lines of credit provide:

Seasonal and Year-Round Options to match your cash flow cycles.
Access to Funds When You Need Them with interest-only payments on what you use.
Flexible Repayment Terms to help maintain your business’s financial stability.

Equipment Loans

Upgrade your tools, vehicles, or technology without slowing down your growth. Our equipment loans help you invest in the essential assets needed to keep operations running smoothly:

Options to Purchase or Repair vehicles, machinery, computers, agricultural equipment, and more.
Affordable Monthly Payments with competitive rates to suit your budget.
Flexible Terms to align with your business’s growth and equipment needs.

Business Expansion Loans

Fuel your next phase of growth with confidence. Whether expanding facilities, adding new locations, or increasing production, we provide:

Long and Short-Term Financing Options to match your strategic goals.
Dedicated Support from Start to Finish with our team guiding you through every step.
Tailored Loan Structuring based on your business’s cash flow and future outlook.

Streamline Business Finances with Treasury Management.

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Expand payment options and boost customer convenience with Merchant Services.

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Real Estate Loans

Find the right space for your business to thrive. From purchasing to renovating, our real estate loans offer:

Affordable Financing for Purchases, Refinancing, and Renovations to enhance your business location.
Locally Decided and Customizable Loan Solutions to fit your specific project.
Expert Loan Structuring to ensure affordability and growth.

Construction & Development Loans

Build a space that’s uniquely yours. Our construction and development loans are designed to bring your vision to life with:

Flexible Construction Lines of Credit for both residential and commercial projects.
Experienced Guidance Throughout the Process to manage every step of your build.
Financing Options to Suit Custom Projects with competitive terms and personalized support.

Government-Guaranteed Lending

Empowering small businesses with strong community partnerships. We proudly partner with local government agencies to offer:

SBA 7(a) Loans: SBA’s primary loan program for working capital and term loans.
SBA 504 Loans: Long-term, fixed asset financing for equipment and owner-occupied real estate.
WHEDA Loans: Financing programs aimed at supporting Wisconsin’s small businesses and farms.
Farm Service Agency (FSA) Loans: Helping family farmers secure financing for land and agricultural production.

Agriculture Loans

Rooted in Wisconsin’s farming heritage, Bank First is here to support your growth. Whether you run a large agricultural operation or a small family farm, we provide:

Short, Immediate, and Long-Term Loan Options to cover all aspects of your operation.
Variable and Fixed Rate Options to suit your budget and financial planning.
Comprehensive Financing Solutions for livestock, equipment, land acquisition, and more.

Learn more about our Agriculture Loan options here.

Personal Financial Statement