Your business has a broad range of financial needs. We have services to satisfy them all. As a community bank, our success lies in the success of our customers. We want to provide you with the financial solutions that meet your business needs. Because we are a local bank, we can customize the terms and structure of our loans to meet the changing needs of your business. Call us at (314) 966-8100 to discuss your specific situation. Or click here to email us.

We’ll help you achieve your business objectives with a full menu of lending products and services:

Commercial Construction Loans
Working Capital Loans
Commercial Real Estate Loans
Letters of Credit
Dealer Floor Plans
Equipment and Fixtures

Commercial Construction Loans

Finance all your construction needs with the added convenience of a loan that allows you to match the maturity of the note with the completion of the construction. We offer loans to professional builders for the construction of single family, multi-family, and commercial properties. Our loan officers will provide assistance for borrowers in developing intermediate and permanent financing plans.

Working Capital Lines of Credit

This service lets you access all or part of a loan of a predetermined limit. Once the initial paperwork is complete, lines of credit are conveniently activated by a simple call, putting your business in control of the payment schedule. Plus, if you've used part of your line, repayment will be scheduled in monthly payments.

We offer working capital lines of credit tailored to you unique financial needs, including:

Single purpose line of credit: advances are to support a customer's special one time need.

Seasonal line of credit: generally used to finance inventory and accounts receivable build-up associated with seasonal business activity.

Revolving line of credit: used to finance receivables, inventory or current operating expenses. The specific terms and structure can be tailored to the borrower's unique financial needs.

Reserve lines of credit: tied to the customer's checking account and activated by writing a check on the account. Interest is charged daily on the outstanding balance.

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Commercial Real Estate Loans

Permanent financing for business real estate, from small retail shops to large office buildings. We offer a variety of commercial real estate loans to assist customers with their business and financial objectives. Our loan officers are experienced professionals who have the ability to structure a real estate transaction with terms that are specifically designed to accommodate the cash flow needs of each customer.

Some of the more common types of loans we finance are:

Income Producing Properties - First National Bank of St. Louis offers financing for investments in income producing properties including the land acquisition and construction cost. We will finance the acquisition of existing properties or the refinancing of your existing owned investment properties. Our experienced lending officers will structure the terms to meet your specific needs including short-term, intermediate or long term financing.

Land Acquisition and Development - We will finance the land acquisition and development of real estate for single family, multi-family, or commercial properties. Our loan officers are knowledgeable of the local real estate markets and can assist customer with a loan structure best suited to their specific financial needs.

Owner Occupied Business Properties - First National Bank of St. Louis finances the construction of commercial real estate for borrowers who need facilities to house their business operation. These loans may be for business expansion into a new market, relocation of an existing business, renovation or improvements in an existing facility, or other business purposes including long term working capital.

Special Purpose Real Estate - As a community bank, we have a stake in the future of our community. To help with the improvement of the community, we finance a wide variety of special purpose real estate properties including church buildings, private educational facilities, medical buildings an complexes, movie theaters, restaurants, motels/hotels, agribusiness facilities, and car washes.

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Letters of Credit:

We provide letters of credit to customers who need to guarantee their ability to pay. Some types we offer are:

Standby Letters - these are a substitute for a surety bond and provide credit support to our customers for their suppliers and clients.

Trade Letters - gives enhanced credit standing to our customers to facilitate their purchasing and sales activities.

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Dealer Floor Plans

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Equipment and Fixtures

Leasing can help businesses acquire equipment with little or no down payment while taking advantage of tax benefits and flexible terms.

If your company is thinking about leasing, think about this. Leasing can help businesses acquire equipment with little or no down payment while taking advantage of tax benefits and flexible terms. You also may be able to experience significant tax savings from leasing equipment. 

We make loans to finance all types of business needs. Some of the most common are commercial machinery, commercial vehicles, office equipment and furniture, computers and communications technology, and heavy equipment.

Repayment terms are designed to meet the financial needs of the customer, with consideration given to the useful life of the asset financed.

If leasing sounds right for your business, consult your tax advisor, then come to us for the loan to make your lease payment.

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