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commercial loans

Have Texas-Sized Ambition?

Our Commercial Loans Go The Distance

Texas business runs on drive, determination, and local support. That’s why our commercial lenders work beside you—helping your business move from big idea to bigger results.

Competitive Rates

Trusted Bankers

Local Lending Decisions

Financing Options For Every Stage

Commercial lending options crafted for companies ready to invest, expand, and grow.

Business Lines & Letters of Credit

A line of credit from First Bank Texas gives you instant access to working capital. Manage cash flow, cover expenses, or seize the next big opportunity without delay. For partnerships or vendors, our letters of credit add trust and security to every deal.

 

  • Competitive rates
  • Flexible payment structures
  • Instant access to funds
  • Customized credit limit
  • Interest-only payments based on how much credit is in use

Commercial Real Estate Loans

When it’s time to build, buy, or expand, First Bank Texas is ready to back your vision. From storefronts to office spaces, we offer flexible financing and local expertise to help you secure the property your business deserves.

 

  • Customized loan terms
  • Competitive rates
  • Construction funding
  • Renovation loans
  • Refinancing options available

Equipment Loans

The right tools make all the difference. Whether you’re replacing old machinery or investing in the latest technology, First Bank Texas can help you power your business forward with financing that fits your operation and your goals.

 

  • Flexible payment terms
  • Experienced lenders
  • Competitive rates
  • Customized payment terms
  • Vehicle financing options

Agricultural Loans & Lending

From pasture to production, we’re proud to support the people who keep Texas growing. Our ag lenders understand your operation and design flexible financing to keep your land, livestock, and legacy thriving for generations.

 

  • Customized loan packages
  • Financing for livestock and crops
  • Real estate and equipment funding
  • Competitive interest rates

Term Loans

Every big idea deserves the right financial foundation. Whether you’re expanding operations, upgrading equipment, or purchasing a new property, First Bank Texas can tailor a term loan to fit your goals and your timeline.

 

  • Customized loan terms
  • Competitive rates
  • Financing for purchases
  • Long-term and short-term funding
  • Expansion capital

Working Capital Loans

When business moves fast, you need financing that can keep up. Our working capital loans give you short-term support to cover expenses, seize opportunities, and keep your cash flow steady, all with local lenders who understand your pace.

 

  • Terms of one year or less
  • Cover payroll, inventory, or day-to-day operations
  • Bridge cash flow gaps or fund growth opportunities
  • Fast decisions from local lenders
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Local Experts.
Real Relationships. Proven Results.

Our commercial lending team doesn’t just process paperwork—we partner with you to bring your business goals to life. You’ll work with our local experts who understand Texas businesses and take the time to walk you through every detail, from your first question to final approval.

Helping You Navigate The Process

Every business is different—and so is every loan. Our team keeps the process straightforward, transparent, and tailored to your goals from day one.

1

Connect with our team.

2

Conduct a needs assessment.

3

Customize your loan terms.

4

Begin the approval process.

Real-Life Stories

First Bank Texas

When personal service meets community commitment, it makes all the difference.

Prefer Government-backed Lending?

Explore SBA Loan Options

Grow With The Right Backing

Let's Finance What's Next

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Equal Housing Opportunity

First Bank Texas is your local community bank that offers a range of personal and business banking solutions including savings and checking accounts, individual retirement accounts (IRAs), VA loans, mortgages, commercial loans, agriculture lending, working capital loans, real estate loans and much more. Bank online, with our mobile app or visit one of our conveniently located North Texas locations in the Greater Abilene, West Fort Worth and Grapevine areas.