Commercial Loans

We want to meet all of your business borrowing needs. We offer a complete range of loan products with personal, professional customer service. AND, all credit decisions are made right here in Tahlequah! 


Come in and visit with us or call us at (918) 456-6108 about our financing options, competitive rates and quick turn-around times.

Real Estate

Whether you’re expanding your building or moving to a new location First State Bank can help you acquire the space you need to get your business done.


We specialize in commercial and residential construction lending. Builders have the use of our First State Bank mortgage lenders for permanent home loans, too.

 Working Capital

The cycle of your business determines your cash flow requirements. Whether you need to finance account receivables, purchase inventory, or borrow short-term for other business purposes, a working capital line of credit may help to provide the cash flow you need.


First State Bank is ready to help you reach your business goals. If it’s special equipment you need to get the job done.

 Ag and Farm

Farming and ranching has been and always will be an important part of the Oklahoma economy. We understand the demands of farming and ranching, and we are here to help you meet those demands.

Government Guaranteed Loans


The US Small Business Administration is a federal agency established by Congress in 1953 to help new businesses get started and establish their growth. The mission of the agency is to aid, counsel, assist and protect the interest of small business.

First State Bank is an approved SBA lender and currently offers:

  • SBA 7(a) Guaranty Program
  • SBA 504/503 Loan Program

Advantages of SBA Loans include:

  • Eligibility – A wide array of owner-operated and managed-for-profit businesses – from retail to wholesale, from manufacturing to service – are eligible for loans. Proprietorships, partnerships, and corporations are eligible.
  • SBA Guarantee – The SBA guarantees up to 85 percent for loans less than $150,000 and up to 75 percent for loans over $150,000. The maximum loan amount is $2,000,000, and the amount of the SBA’s guarantee to First State Bank cannot, by law, exceed $1,500,000.
  • Rates and Terms – Interest rates can be adjusted monthly, quarterly or semiannually, and a ceiling can be placed on the rates for the life of the loan. Fixed rates are available under certain circumstances. Terms for First State Bank SBA Loans depend on the use of the proceeds, with maximum terms ranging from 7 years for working capital, to 25 years for buildings and real estate.

For more information about SBA loan programs click here

 USDA Rural Development Services – RDS

Business Industry Loans – The Business and Industry (B&I) Guaranteed Loan Program helps create jobs and stimulates rural economies by providing financial backing for rural businesses. This program provides guarantees up to 80 percent of a loan made by a commercial lender. Loan proceeds may be used for working capital, machinery and equipment, buildings and real estate, and certain types of debt refinancing.

The primary purpose of this program is to create and maintain employment and improve the economic lending capability of private lender in rural areas, helping them make and service equality loans that provide lasting community benefits. This program represents a true private-public partnership.

For more information about the USDA B&I loan program click here

 Farm Service Agency (FSA)

FSA makes guaranteed farm ownership and operating loans to family-size farmers and ranchers. FSA loans can be used to purchase land, livestock, equipment, feed, seed, and supplies.  FSA loans can also be used to construct buildings or make farm improvements. FSA guaranteed loans provide conventional agricultural lenders with up to a 95 percent guarantee of the principal loan amount. All loans must meet certain qualifying criteria to be eligible for guarantees.

For more information about FSA loan programs click here