Business Construction Loans Farmers State Bank

When your Colorado business is ready to grow, having the right construction financing partner matters. For over 100 years, Farmers State Bank has supported businesses across Colorado, from rural operations and agricultural facilities to Main Street retailers and expanding Front Range companies.

Whether you’re constructing a new commercial building, renovating your current space, or expanding into a second location, our business construction loans provide competitive fixed rates, flexible terms, and local decision-making every step of the way.

Financing Designed for Commercial Builders & Business Owners

Construction projects come with complexities like timelines, budgets, contractors, permits, material costs, and you need a lender who can keep pace with your plans. Our Colorado business construction loans are structured to provide short-term funding during the build phase and a smooth transition into permanent financing once construction is complete.

At Farmers State Bank, you’ll benefit from:

Fixed-rate financing for the duration of your construction period
Short-term loan structures designed for commercial building projects
Interest-only payments during construction
Simple closing costs without additional monthly inspection or draw fees
Funding for new construction, renovations, and expansion projects
A seamless path to long-term commercial real estate financing
Fast answers with local underwriting and decision-making
Personal support from lenders who understand Colorado business needs

How Commercial Construction Financing Works

A business construction loan provides short-term funds to cover labor, materials, land improvements, and development costs while you build. Once your property is completed, you can transition into long-term financing, all under one trusted banking partner.

We work closely with your contractor and project team to help ensure a smooth process from groundbreaking to ribbon-cutting.

Common eligible projects include:

Office buildings and medical facilities
Retail storefronts and commercial tenant spaces
Agricultural facilities and rural business structures
Industrial buildings, workshops, and warehouses
Residential rental properties
Remodels, expansions, and facility upgrades

Our Commercial Lending Team

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

What You’ll Need to Get Started

To apply for a business construction loan, please provide:

Project plans and cost estimates (if available)
The last 3 years of Personal Tax Returns
The last 3 years of Business Tax Returns (if filed separately)

To save time, download an online printable application.

Or visit our branches in Calhan, Ellicott, Falcon, or Kiowa to meet with a commercial lender.

Common Questions From Colorado Builders & Business Owners

Can this loan cover building from the ground up?

Yes. We finance new commercial construction to include land and utility costs.

Can you convert the construction loan to long-term financing?

Yes. We offer an easy transition into permanent commercial real estate financing once your project is complete.

How fast are decisions made?

We process commercial loan decisions locally, helping you move forward faster. We do not send our requests offsite to an underwriting, all decisions are made locally at Farmers State Bank.

Do you lend to agricultural and rural businesses?

Absolutely. Serving rural and agricultural communities is part of our history and mission.

Can you help with contractor coordination and draws?

Yes. Your loan officer will work closely with you and your builder to manage project draws and invoicing.

How will my experience at Farmers State Bank be different from large financial institutions?

At FSB, your loan officer is more than a point of contact, they are your personal banker. From application to underwriting, closing to draw requests, you’ll work with the same dedicated officer for the life of your loan. They are with you every step of they was to help ensure your project is completed and your experience is seamless.

Build With Confidence & Partner with a Local Colorado Bank

From blueprints to opening day, Farmers State Bank is here to help Colorado businesses grow. Our legacy in supporting local builders, landowners, and entrepreneurs means you’ll get personal attention, competitive financing, and trusted guidance every step of the way.

Construction financing isn’t just about funding. It’s about building a stronger future for your business and our community.

Call or visit a branch today to speak with a commercial lending expert and start planning your project.

Business Construction Loans in Colorado