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Call Us: (800) 924-4427

Types of Commercial Loans

First United has multiple loan products and programs to make sure your financing fits the unique needs of your business. From construction financing to working capital, First United will be your financial partner for the long-term.

Commercial Real Estate & Construction Loans

Whether you are refinancing, expanding, relocating or initially buying business property, we have financing options available.

Working Capital Lines of Credit/Revolving Line of Credit

Give your business access to extra cash for when unexpected opportunities come up.

Equipment Financing

From large equipment to small, we have the loan that's right for your business.

Agriculture Loans

Visit our Agriculture Section to find out more about our Ag Lending solutions.

SBA Lending

Browse our SBA Lending Section to find out if one of our SBA products is a good fit for your business.

Commercial Loan Checklist

Want a head start?

At First United, we aim to make the commercial loan process as hassle free as possible. If you want to get started collecting the documents for your loan, browse or print the checklists below.

If you're unsure whether an item applies to your situation, give us a call at (800)924-4427 and ask for a commercial lender in your area.

Business Information Documents
Individual Guarantor Information (for those with 20% or more ownership interest in the business)
Business/Corporate Guarantor Information (for those with 20% or more ownership interest in the business)
Legal Entity Documentation


Additional Items Needed as Applicable:
For Commercial Real Estate Loans
For Purchase of Equipment or Machinery
For Refinancing Your Equipment
We're ready to be your business partner. Call us today at (800)924-4427

Business Information

  • Current Balance Sheet and current year Proft and Loss Statement for the business
  • Accounts Receivable
  • Accounts Payable
  • Last three (3) years' Tax Returns
  • Last three three (3) years' Income Statement and Balance Sheet
  • Business Debt Schedule
  • Month by Month Projections for remainer of the year and next calendar year
  • Description of Business/Business Plan
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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Individual Guarantor Information

  • Individual Financial Statement, less than 60 days old
  • Federal Tax Return (3 years); all schedules, statements, K-1s and W-2s (needed for outside income)
  • Last three (3) years' Income Statement and Balance Sheet
  • Summary of current financing (Global Debt Schedule)
  • Bio/Resume of the Principal(s)
  • Copy of valid Drivers License
  • Contingent Liabilities Statement
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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Business/Corporate Guarantor Information

  • Current Financial Statement, less than 60 days old
  • Federal Tax Return (3 years); all schedules
  • Last three (3) years' Income Statement and Balance Sheet
  • Summary of current financing (Business Debt Schedule)
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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Legal Entity Documenation

  • Articles of Incorporation
  • Partnership Agreement
  • Articles of Organization
  • "Doing Business As" documentation
  • Franchise Agreement
  • LLC: Certificate of LLC and Operating Agreement
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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For Purchase of Machinery or Equipment

  • Purchase order or invoice
  • Detailed description and specifications of equipment to be purchased
  • Authorization to release information
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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For Refinancing Your Equipment

  • Detailed list of equipment and machinery to be refinanced
  • Serial Numbers
  • Date of purchase or age of equipment
  • Copy of original invoice
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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For Commercial Real Estate Loans

  • Purchase Contract or Buy/Sell Agreement (Must include all exhibits and addenda)
  • New Construction Budget or Contract
  • Description of Real Estate
  • Operating Statements
Questions?

One of our Commercial Loan experts can help. Call (800) 924-4427.

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