Products and Programs*

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Commercial Real Estate & Construction Loans

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

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Working Capital Lines of Credit/Revolving Line of Credit

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

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Equipment Financing

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

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Have a farm financing need? Learn about our Ag Loans.

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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.

Commercial Loan Checklist

  • Business Information Documents

    • Current Balance Sheet and current year Profit 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 remainder 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.

  • Individual Guarantor Information

    For those with 20% or more ownership interest in the business

    • 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.

  • Business/Corporate Guarantor Information

    For those with 20% or more ownership interest in the business:

    • 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.

  • Legal Entity Documentation

    • 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.

Additional Items (if applicable)

 

  • 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.

  • 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.

  • 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.

Is our SBA products is a good fit for your business?

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We're ready to be your business partner. Call us today at (800) 924-4427

1  All programs subject to credit approval and loan amounts are subject to creditworthiness. Some restrictions may apply. The term, amount, interest rate and repayment schedule for your loan, and any product features, including interest rate locks, may vary depending on your creditworthiness and on the type, amount and collateral for your loan.