small business loan icon
Small Business Loans

Whether it’s’ operating capital, equipment, or inventory-we offer business-friendly financing to help you achieve your goals. The American dream made easy. Count on FSB to have a solution to your unique needs.

Summary

  • Competitive rates for a wide range of business expenses:
    • Working capital
    • Equipment
    • Machinery
    • Inventory
    • Facility improvements
    • And more
  • Repayment terms customized to fit your business’s unique needs
  • Automatic payments available
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

Getting Started

FSB provides financing for a large variety of small business needs.

Below is a list of the information that you will need to provide to apply for a Small Business Loan. This information enables us to better understand your business and how it operates.

  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)
  • Current Financial Statement
  • Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

commercial loan icon
Commercial Real Estate Loans

Take Advantage of competitive rates for the purchase, refinance, construction, or renovation of commercial properties.

Summary

  • Customized commercial real estate loan solutions
  • Cover a number of business real estate needs, including:
    • Purchases
    • Rental income properties
    • Business acquisition loans
    • Expansion loans
    • Refinancing options available
  • Fixed and adjustable annual percentage rates
  • Flexible term options
  • Construction loans also available
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

Getting Started

FSB provides financing for real estate purchases, refinances and cash-out loans. Residential rental loans may be amortized up to 30 years. The loan amount cannot exceed 80% of the appraised value of the property. Large acreage parcels of more than 40 acres have a maximum loan to value of 65%.

Below is a list of the information that you will need to provide to apply for a Real Estate Loan. This information enables us to better understand your business and how it operates.

  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)
  • Current Financial Statement
  • Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

business construction loan icon
Business Construction Loans

Build your business from the ground up- without suffering through the financial headaches. Whether you are creating or expanding your business, we can help with a competitive, fixed rate for the duration of construction.

Summary

  • Short-term loan option
  • We offer both new construction and renovation needs
  • Smooth transition to permanent financing
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a Business Construction Loan. This information enables us to better understand your business and how it operates.

  • Plans and cost estimates (if available)
  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

Business lines of credit icon
Operating Lines of Credit

Expand your business budget with a line credit that is accessible at any time- only pay interest on what you use. FSB is here to support your short- or long-term financing needs. Count on our operating line of credit to get you capital quickly.

Summary

  • Capitalize on opportunities and cover unexpected expenses
  • Can be used to finance a wide range of seasonal or ongoing needs
  • Immediate access to funds when needed
  • Improve cash flow capabilities
  • No need to reapply to re-access funds
  • Use funds as needed instead of lump sum
  • Pay interest only on the amount you use
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Getting Started

FSB offers revolving, committed, and floorplan lines of credit. Generally, lines of credit have a maturity of one year or less with interest paid monthly.  For extended term operating lines of credit, please view our CELOC page.  (This should be a link)

Below is a list of the information that you will need to provide to apply for a Line of Credit. This information enables us to better understand your business and how it operates.

  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)
  • Current Financial Statement
  • Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

agriculture loan icon
Agriculture Loans

Our experienced lenders can help you cover a variety of agricultural needs-with local decision making and processing. FSB has been a supporter of the Colorado agricultural industry for generations. Secure the financing you need with our help.

Summary

  • Meet all your agricultural financial needs:
    • New and used equipment loans
    • Livestock loans
    • Crop and cattle loans
    • And more!
  • Competitive rates
  • Customizable lending options
  • Easy application process
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Getting Started

We finance both livestock and crop productions. Below is a list of the information that you will need to provide to apply for an Agricultural Loan. This information enables us to better understand your business and how it operates.

  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)
  • Current Financial Statements detailing livestock and crops on hand

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

credit cards icon
Business Credit Cards

Give your business purchasing power with a Visa credit card- featuring a low variable interest rate.

Summary

  • Competitive rates that work with your budget
  • Increase purchasing power online and at stores all over the world
  • No balance transfer fees
  • Manage your card easily online
  • Enjoy ScoreCard® Rewards for every dollar you spend

Credit Card Application – Organization (PDF).

Credit Card Application – Corporation (PDF).

Pay my credit card here.

celoc icon
Commercial Equity Line of Credit

Structured similarly to a Home Equity Line of Credit, FSB offers a five-year revolving line of credit that is secured by real estate for commercial business with fixed interest rate and interest paid monthly.

Summary

  • Competitive interest rates for a wide range of ongoing expenses:
    • Facility improvements
    • Equipment purchases
    • Renovation projects
    • And much more!
  • Direct, anytime access to funds without reapplying
  • Revolving credit — when you repay, your limit is replenished for future borrowing
  • Affordable payment plans
  • Only pay interest on the part that’s used
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

Getting Started

Below is a list of the information that you will need to provide to apply for a Line of Credit. This information enables us to better understand your business and how it operates.

  • The last 3 years Personal Tax Returns
  • The last 3 years of Business Tax Returns (if a separate return is filed)
  • Current Financial Statement
  • Personal Financial Statement

To speak with a loan officer, contact an FSB branch. To save time, download an online printable application (PDF).

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Leasing

FSB is proud to offer a municipal leading program that is unique in Colorado.

This Program includes all the benefits of funding capital improvements but with the added benefit of being able to pay lease off early and reap the associated interest rate savings.

Summary

  • Funding available for vehicles, equipment and real estate.
  • Construction funding available.
  • Long-term, fixed rate financing for building and real estate.
  • Interest is calculated on the outstanding balance and is not tied to a leasing schedule.
  • Payments in arrears.

 To speak with a loan officer, contact an FSB branch.

 

Getting Started

  • Please click on the appropriate loan type above to get more detailed information, or to speak with a loan officer, contact an FSB branch.
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