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Business Loans & Credit


Whether you want to start, boost, or expand your business, an affordable loan can make all the difference. Trust our business loan specialists to customize a loan with competitive interest rates and flexible terms to help you meet your objectives. Their ample experience in Jefferson County’s business, medical, and agricultural industry will contribute to your success.

  • Competitive interest rates
  • Flexible repayment schedules
  • Money provided as upfront lump sum
  • Assets purchased can usually secure the loan
  • Quick answers with local decision-making
  • Experienced loan officers that put your interests first


Community First Bank wants to be a true partner to small businesses. That’s why we offer specialized loans with some of the most competitive rates and flexible payment terms in Southern Illinois. We partner with U.S.S.B.A. and U.S.D.A. in providing business and agriculture with flexible products designed specifically for your needs. Let our experts assess your situation and guide you toward a sound lending solution.

  • Low, competitive interest rates
  • Flexible payment terms
  • Decisions made locally for fast results
  • Courteous, professional service you trust
  • SBA Loans available
  • U.S.S.B.A Loans and U.S.D.A Loans are available


Finding the funds you need to accommodate your expanding business is easier than you think, with a real estate loan from Community First Bank. Our loan officers have years of experience in the Jefferson County real estate market, and will make it easy to find what you’re looking for. If you need more space, a new location, or commercial property for investment, you’ve come to the right place.

  • Find a new home for your business
  • Expand your space or buy investment property
  • A wide variety of terms to suit your needs
  • Competitive rates and flexible terms
  • Refinancing also available
  • Experienced personal service
  • Local decision-making
  • Local servicing for the life of the loan


A revolving line of credit is a perfect solution for short-term financing and immediate cash needs. It lets you access funds as needed and assists you with managing the cash flow needs of your business. Ask our lending team for more information on how to fund your immediate business needs with this flexible solution.

  • Cover many of your short-term financial needs:
    • Working capital
    • Inventory purchase
    • Seasonal fluctuations
    • Equipment repair
    • Accounts receivable
    • Much more
  • Pay interest only on the amount you use
  • Competitive rates and affordable payment terms
  • Quick approval process
  • Local decision-making
  • Local servicing for the life of the loan
  • Experienced lending professionals


Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Apply NOW

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.