Commercial Loans

Businesses rely upon a variety of loans for their day-to-day and long-term operations. These needs are ever changing and require personalized service. Whether loans are for inventory purchases of start-ups or large-scale development and renovation, the lender needs an opportunity to get to know the customer.

Community First Bank is locally owned and operated. You are able to meet and discuss your loan needs with the people who make the decisions on your loan request. We will tailor a loan or credit line to personally fit your needs and assist you in achieving your goals. What's more,

  • The loan approval process is simple. Decisions are made in a timely fashion with no long waits.
  • Competitive interest rates are offered with every kind of commercial loan.
  • Repayment schedules are flexible and designed to match your cash flow.

Working Capital Loans

Short-term loans can be used for inventory and other normal business activities. Let Community First Bank provide your business with working capital whether it is well-established or just starting out.

Line of Credit Loans

Longer term working capital is necessary for the success of any business. A line of credit loan provides a maximum amount that you can borrow over an extended period of time. This revolving credit can be used for multiple purposes including inventory and cash flow management. A Community First Bank line of credit loan provides flexibility in terms of collateral, withdrawals and repayments.

Term Loans

Larger loans may be needed for the purchase of commercial machinery, equipment, vehicles and other assets vital for long-term operation. These loans are made in a single distribution with monthly principal and interest payments. Community First Bank can customize your loan to meet the financial needs of your business.

Real Estate & Construction Loans

Community First Bank through the years has assisted businesses in the acquisition of real estate and the construction, expansion and renovation of commercial properties. We offer flexible financing on properties as diverse as apartments, storage facilities and office buildings. Let us help your business grow with a commercial real estate or construction loan.

Small Business Administration (SBA) Loans

The SBA can help your business with a loan if access to other financing is not available. Community First Bank is an SBA Approved Lender and can design a loan for your qualifying business. Important financing needs such as debt restructuring can be met with this kind of loan. Visit the SBA website to learn more.

Business Loan Calculators

Commercial Loan - Use this calculator to estimate your debt service coverage with a new commercial loan.

Equipment Buy vs. Lease - Should you lease or buy? This calculator compares monthly payments with total net cost so you can determine which is the better value.

Call today (618) 234-9500. We look forward to being of service to you!


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Community First Bank is locally owned and operated, serving Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh, the Metro-East and
the St. Louis region. Go to in separate window Go to in separate window

Address: 4600 North Illinois Street, Fairview Heights, IL 62208
Located at the corner of Route 159 & Frank Scott Parkway
Phone: (618) 234-9500 Fax: (618) 234-9585