A line of credit is the perfect way to manage your company’s short-term financing needs. Use it for seasonal cash flow or for business expansions. Our lines of credit are reviewed annually, and we can discuss options marching forward to best suit your business.

Whether you’re purchasing, developing, refinancing, or constructing, we can help provide financing for construction and development projects of all types and sizes. As part of your community, our bankers understand the real estate market and can advise the benefits of various financial products.

Need new equipment in order to grow and stay ahead of the competition? We can provide the financing to make it happen. Whether it’s updating your computer system or purchasing a commercial vehicle or equipment, we can finance it with payment terms designed to work within your budget.

First Farmers Bank & Trust can help you obtain a loan through the SBA (Small Business Administration), FSA (Farm Service Agency) and the USDA / Business Industry Programs. These programs offer a variety of assistance for specialized applicants to help your business get started or expand.

Let First Farmers Bank & Trust assist in your business vehicle needs. We are here to help you get the resources you need when you need them. We can provide financing for company cars and other commercial vehicles, all at competitive rates and with flexible terms.

Our staff of leasing professionals have decades of experience. Leasing offers clear, fixed-cost financing. When structured correctly, leasing payments can be fully tax deductible and allow you to conserve your working capital.