First Place offers a complete line of financing options to companies of all sizes. We can deliver a full range of services with the flexibility and local decision-making that other banks can't match. We structure loans to meet the needs of your specific business at competitive interest rates and terms. Use the Enhanced Loan Calculator to determine monthly payments. Your First Place Business Financial Services professional will develop a customized credit program that not only meets your current credit needs, but also helps you anticipate future credit requirements. First Place commercial credit services include:

Revolving Lines of Credit - Cash when you need it
A pre-approved revolving loan gives you access to the working capital you need, when you need it. You always have the resources you need to purchase inventory and carry accounts receivable or to meet the cash flow needs of a seasonal business. The revolving feature eliminates the need to apply for a new loan each time you wish to borrow.


	Term Loans - Fund your equipment purchases A simple process to fund business opportunities, buy equipment, or implement expansion of your business. Repayment terms are flexible which allows you to match the loan payments to your cash flow.

	Equipment Lines of Credit - Apply once. Use it as needed A convenient way to fund equipment purchases as needed. Eliminates the hassles of having to reapply every time you need to buy equipment.

	Commercial Real Estate Loans - Expand and grow Designed specifically for commercial customers, our real estate loans provide you with the funds you need to make a new purchase or expand your plant, warehouse or office building.

	Letters of Credit - Convenient way to guarantee payments Standby or documentary letters of credit give you the ability to guarantee payments to a third party. You can take advantage of business opportunities such as pricing breaks without having to call on your cash reserves or deal with loan applications. Our Business Financial Specialists are well versed in providing Letters of Credit and can make the process fast and simple.

	SBA (Small Business Administration) Loans Whether you are starting up or expanding a business, if you need to obtain more working capital, finance equipment or construct or buy your own building, First Place can help. Working with you from application to funding, our SBA specialists will help tailor an SBA loan to suit your needs. We also participate in state and local programs that offer interest rate subsidies that can help reduce your cost of borrowing.

	Platinum Visa Business Card - Manage your business expenses A hard-working business credit card with no annual fee, lines of credit up to $35,000 and business discounts.