Business Loans


Start Your Business

First Bank Texas offers various types of loans for businesses. Whether just getting off the ground or a multi-million dollar enterprise, we have just what you need to help you in your financial endeavors and will tailor a loan to fit your business needs. Contact us for information on any of the following loans:

  • Capital Purchases
  • Business Expansion
  • Interim Construction
  • Bank Held Home Mortgages
  • Lines of Credit
  • Letters of Credit
  • SBA Preferred Lender
  • Equipment
  • Working Capital Needs
  • Agriculture Lending
  • Real Estate Loans
  • Farm and Ranch Loans

 

Expand Your Business

Is it time to expand your facility, purchase new equipment, upgrade your office, or offset cash flow shortfalls caused by an increase in accounts receivable? First Bank Texas has a loan to fit the needs of your growing business.

We are excited to see local business owners grow and succeed, and we are here to help you achieve your goals. First Bank Texas offers loans for lease space build-outs, owner-occupied building add-ons and new building purchases. To offset the cash flow pressures caused by fast-paced growth of your accounts receivable, we have working capital lines of credit and free Cash Management services. We also offer loans to purchase equipment of all shapes and sizes – from heavy machinery to office machines.

Whatever your financial need for growth is, First Bank Texas will gladly help you find the right solution. Call us today at your local branch Branch / ATM Locations and come grow with us!

 

Business Accounts


First Business Checking

Terms and Conditions Addendum

  • No minimum balance requirement.
  • This account requires E-statements.  If not enrolled in e-statements, a $5.00 monthly paper statement fee will be assessed.
  • Please refer to the Miscellaneous Fees and Charges for other related fees that could apply.

FBT Plus Business Checking

Terms and Conditions Addendum

  • This account has a minimum balance requirement of $1,000.00.
  • There will be a monthly service charge of $8.50 if the minimum daily balance falls below $1,000.00 any day during the statement cycle.
  • Refer to the First Bank Texas Rate Sheet for current Interest Rates and Annual Percentage Yields.
  • Please refer to the Miscellaneous Fees and Charges for other related fees that could apply.
  • If the account is used as an IOLTA Trust Account, then Interest (less applicable fees and service charges) will be sent to the Texas Access to Justice Foundation.

Money Market Account

Minimum Balance Requirements – The minimum daily balance required to obtain the disclosed APY is $2,000. You must deposit at least $2,000 to open this account.

Service Charges – There will be a monthly service charge of $10.00 if the minimum daily balance falls below $2,000.00 any day during the statement cycle.

Balance Computation Method – We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Compounding & Crediting – Interest will be compounded every statement cycle (approximately 30 day cycle). Interest will be credited to your account every statement cycle.

Accrual of Interest – Interest begins to accrue on the business day you deposit non-cash items (for example, checks).

Interest Effect at Closing – If you close your account before the interest is credited, you will not receive the accrued interest.

Transactions – Transfers from a Money Market account to another or third parties by preauthorized, automatic, or telephone transfer are limited to six per statement cycle.


Money Market Gold

Pays the First Bank Texas daily stated rate for Money Market Gold Accounts. No service charge for daily balance of $10,000. Transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per statement cycle. Minimum of $10,000 is required to open the account.

There will be a monthly service charge of $10.00 if the minimum daily balance falls below $10,000.00 any day during the statement cycle.

Each depositor is insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC).


APPLY TODAY!

BRANCH / ATM LOCATIONS

Any of our experienced lending officers will be more than happy to answer any questions you may have.