Business Loans

Business Loans & Commercial Financing

At First Lonestar Bank, we provide the capital and local expertise your business needs to reach its next milestone. Whether you are launching a new venture, acquiring an existing company, or modernizing your equipment, our commercial lending team offers flexible structures to help you succeed in today's economy.

Lending Solutions Tailored to Your Goals

We recognize that no two businesses are identical. Our lenders work closely with you to select the right financing vehicle for your specific needs:

• Commercial Real Estate: Finance the purchase or renovation of owner-occupied or investment properties.
• Equipment Financing: Modernize your operations with specialized loans for machinery, vehicles, and technology.
• Business Acquisitions: Secure the funding needed to expand your footprint or buy out a competitor.
• Working Capital Lines of Credit: Maintain daily liquidity and manage seasonal cash flow fluctuations.

Frequently Asked Questions

What are the eligibility requirements for a business loan?

Eligibility is based on your business’s financial health, cash flow, and clear objectives rather than just a credit score. We partner with a variety of entities, from local startups to established corporations, evaluating each application through the lens of your specific industry and goals.

How can I find out the current interest rates?

Interest rates are customized based on your loan type, collateral, and overall financial profile. To receive a personalized quote tailored to your business goals, we recommend speaking directly with a member of our Dallas or Frisco commercial lending team.

What documentation is required for the application?

While requirements vary by loan type, you will generally need three years of tax returns, current financial statements, and business formation documents. Our lenders provide a clear, customized checklist to ensure your application moves forward smoothly.

Do these loans require collateral?

Most real estate or equipment term loans are secured by the specific asset being financed. However, we offer several flexible structures—including lines of credit—and will work with you to find a security arrangement that fits your business model.

Can I use a business loan for startup costs?

Yes, we actively support the entrepreneurial community by offering financing for both new ventures and established companies. We are committed to providing the capital necessary to help new local businesses establish a foothold in our community.

Can I apply for a business loan online?

We do not use an online application because we believe in providing a personalized, consultative experience. You can initiate the process by calling 469.389.3660 or visiting our Dallas or Frisco branch to discuss your options with a local expert.

Partner with a Local Expert

We proudly serve business owners throughout Dallas, Frisco, Plano, McKinney, and the Dallas-Ft. Worth area. Contact us today to see how we can help you reach your objectives.