FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Calhan: (719) 347-2727 | Ellicott: (719) 683-3999 | Falcon: (719) 495-3650 | Kiowa: (303) 621-0100
Routing # 102103562 | Locations & Hours | File Transfers | Pay Loan
Build, Buy, or Expand with Local Commercial Real Estate Financing
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When it’s time to take your business to the next level, the right commercial real estate loan can make all the difference. At Farmers State Bank, we’ve been helping Colorado businesses secure and expand their spaces for over a century. From storefronts along the Front Range to agricultural facilities in Eastern & Southern Colorado.
Whether you’re purchasing a building, refinancing an existing property, or breaking ground on new construction, our team combines competitive rates, flexible terms, and local decision-making to help you move forward with confidence.
Commercial real estate is never one-size-fits-all and neither are our loans. Our experienced lenders take the time to understand your goals and design financing that aligns with your business needs, growth plans, and cash flow.
When you work with Farmers State Bank, you’ll benefit from:
A commercial real estate loan is designed to help businesses purchase, refinance, or improve property used for business operations or investment. At Farmers State Bank, we finance everything from commercial buildings and warehouses to retail centers and income-producing properties.
We also provide refinancing and cash-out options, allowing you to leverage your existing assets to fuel future growth.
Typical loan parameters include:
| Employee Name | NMLS ID | Work Location | Contact |
|---|---|---|---|
| Lindsey Lawson - Preisser | 873899 | 1500 8th St Calhan CO 80808 | Email: llpreisser@yourfsb.com Phone: (719) 347-2727 |
| Scott Lutz | 543634 | 1500 8th St Calhan CO 80808 | Email: scottl@yourfsb.com Phone: (719) 347-2727 |
| Leo Prosser | 2534634 | 1500 8th St Calhan CO 80808 | Email: lprosser@yourfsb.com Phone: (719) 347-2727 |
| Sara Strouse | 2062662 | 434 Comanche St. Kiowa, CO 80117 | Email: sarastrouse@yourfsb.com Phone: (303) 621-0100 |
| Bret Swennes | 554092 | 7025 Old Meridian Rd Falcon CO 80831 | Email: bswennes@yourfsb.com Phone: (719) 495-3650 |
| April Drew | 2569373 | 445 N. Ellicott Hwy Calhan, CO 80808 | Email: adrew@yourfsb.com Phone: (719) 683-3999 |
To apply, please provide:
Download a Printable Application (PDF)
Or visit one of our local branches in Calhan, Ellicott, Falcon, or Kiowa to meet with a commercial loan officer.
Yes. We offer construction options and short-term financing for new build projects.
Absolutely. We provide refinancing options that can reduce interest rates, unlock equity, or simply allow you to work with a local banker who you can build a longstanding relationship with.
Yes, we finance commercial and residential income-producing properties as well as mixed-use properties across Colorado.
Typically, 70% is the maximum loan-to-value on commercial properties. However, we can lend up to 80% on residential rental properties.
Yes. All decisions are made right here in Colorado at Farmers State Bank, ensuring quick responses and personalized service. The loan officer who gathers your application is the same one who underwrites your request, closes the loan with you, and stands beside you long after the paperwork is signed.
Since 1916, Farmers State Bank has been a trusted partner for businesses and investors across Colorado. As a fourth-generation, family-owned bank, we bring a deep understanding of the local economy, commercial markets, and the industries that drive our communities.
Whether you’re expanding your footprint or purchasing your first property, our commercial lending team is here to help you build on a foundation of local trust and financial strength.
