Commercial Loans and Business Credit Cards

We specialize in providing many types of loans, depending upon the needs of your business. Loans are available to finance the purchase of fixed assets such as equipment or machinery; to finance the purchase of inventory; to provide working capital; and refinance existing debts. Our lenders focus on customizing a loan exactly to your needs. Features may include:

  • Term loans with fixed payment schedule.
  • Advancing loans with flexible or advance options.
  • Revolving lines of credit for established businesses.
  • Secured or unsecured loans, depending on individual circumstances.

Business Credit Cards Apply for the convenience of visaflag today!

  • Low Fixed Rates
  • No Annual Fee and No Balance Transfer Fee
  • FREE Automatic Travel Insurance up to $500,000
  • FREE Additional Travel Benefits From travel reservations and dividends to medical assistance
  • 0% Liability on purchases easy dispute process
  • Local Servicing make your payment right at the teller window or call our Customer Contact Center at (800)463-7782 for information regarding your account

Request an Application TODAY

  1. E-mail us at 
  2. Call us at 800-463-7782
  3. Visit the location nearest you - for locations, click 

Three Easy Payment Options -

  1. Pay at the nearest First State Bank & Trust location - for locations, click 
  2.  Mail your payment:
    To the processing center by using the mail-in coupon and envelope
    -or -
    To First State Bank & Trust, P.O. Box 219, Tonganoxie, KS 66086
  3. Make your payment online: 

Online Servicing In addition to making online payments, you may . . . .

  • Access account and statement information
  • Receive e-mail alerts
  • Create expense reports

Extra security measures provided by Visa: