Business Financing

First Western offers a full range of commercial lending solutions: business lines of credit for short-term needs, term loans for equipment and major capital expenditures, commercial real estate financing, working capital loans, and SBA loan programs. As a certified SBA lending institution, we also partner with the Bank of North Dakota to match the right program to your business. An experienced commercial lender can help you decide which option fits your goals.

Yes. First Western is a certified SBA lending institution, which means we can offer SBA-backed financing alongside conventional loans. We also work with the Bank of North Dakota to provide additional programs and special financing options designed around your business. Talk with one of our commercial lenders about which SBA program and structure makes the most sense for your situation.

A business line of credit is a flexible tool for short-term financing needs. Rather than borrowing a fixed lump sum, you draw funds as you need them and pay interest only on what you use, which makes it well suited to managing cash flow and unexpected expenses. A commercial lender can help you set up a line sized to your business’s working capital needs.

A term loan provides a set amount of financing repaid over a fixed period, making it a good fit for equipment purchases and other major business investments. First Western’s term loans are designed to support critical capital expenditures, from machinery to large one-time purchases. For equipment specifically, you may also want to explore First Western Equipment Finance, our dedicated equipment finance division.

Yes. We provide financing for commercial real estate transactions, whether you’re purchasing, building, or expanding. Because our lenders know the local market, they can move quickly and value property accurately rather than relying on a distant, formula-driven loan committee. Contact a commercial lender to discuss financing for your next commercial real estate project.

Waiting on receivables can create short-term cash crunches even for healthy businesses. Working capital loans and lines of credit are designed to bridge those gaps, giving you the cash to cover day-to-day operations while you wait for revenue to come in. A commercial lender can help you structure the right solution for your cash flow cycle.

Loan decisions at First Western are made locally rather than at a distant regional or national underwriting center. That means your application is reviewed by a commercial lender who knows your community and your business, can ask informed questions, and can move quickly to a decision. It’s one of the advantages of financing with a local community bank.

Requirements vary by loan type and business structure, but you’ll generally need your business formation documents, financial statements, tax returns, and details about what you’re financing. Federal Customer Due Diligence rules also require us to identify and verify the beneficial owners of legal entity customers when an account or loan is opened. Your commercial lender will confirm exactly what’s needed based on your business and the type of financing.

Contact a commercial lender or visit a branch near you to get started, and we’ll discuss the financing options available for your business. To round out your banking relationship, explore Business Accounts and Cash Management for tools to manage your finances alongside your loan.