COMMERCIAL LOANS

 

First Texas Bank understands what it means to be an independent business – we are a family-owned bank.  All of our credit decisions are made locally by people who live and work in the community.  Each bank location has experienced people ready to help you meet your short and long-term business goals. Our commercial loans and lines of credit are among the most competitive in the marketplace delivered with superior service.

BUSINESS LENDING

 

Our business banking professionals are trained and empowered to customize a variety of financial products and services available from First Texas Bank to meet the needs of your business.

First Texas Bank offers a variety of lending programs for businesses.

  • Commercial and Industrial
  • Commercial Real Estate
  • Automobile/Truck Loans
  • Accounts Receivable Financing
  • Inventory Financing
  • Lines of Credit
  • Letters of Credit
  • Interim Construction
  • Agriculture Loans
  • Construction and Development Loans

Contact any of our experienced Loan Officers today to see how we can help you achieve your business goals and turn a loan into a complete banking relationship.


Loan Officers:

Killeen

Belton

Copperas Cove

BUSINESS LENDING

 

For commercial customers, the bankers at First Texas understand what it means to be an independent business – First Texas is a family-owned bank. All our credit decisions are made locally by experienced business people that live and work in the communities we serve. Each bank location is staffed with experienced bankers to help meet your short and long-term capital needs. Our bankers have many years’ experience in commercial lending and business finance and use that expertise to help your business grow. Our commercial loans and lines of credit are among the most competitive in the marketplace, delivered with superior service and fast, local decision making.

 

Commercial Real Estate:

First Texas Bank commercial real estate loans are tailored to fit your needs.  We offer fast, local decisions on real estate loans with flexible terms.

  • Acquisition, Refinance, New Construction
  • Owner-occupied and Investment
  • Tenant Improvements and Remodeling
  • Office, Retail, Flex Warehouse, Multi-family, Hotel
  • Subdivision and Lot Development

 

Commercial Real Estate:

First Texas commercial real estate loans are tailored to fit your needs.  Whether you need capital to purchase or construct a new facility or a financial partner to invest in commercial real estate, the First Texas bankers have the market knowledge and experience to help you reach your goals.  We offer fast, local approvals on real estate loans with flexible terms.

  • Acquisition, Refinance, New Construction
  • Owner-occupied and Investment
  • Low fees
  • Office, Retail, Warehouse-flex, Multi-family, Hotel
  • Subdivision and lot development program

Working Capital:

We offer flexible terms and excellent rates on a full range of commercial working capital loans.  Our bankers take the time to understand your specific business needs and find solutions that work best for you.

  • Loans and Lines of Credit
  • Business Acquisition or Expansion

 

Working Capital:

First Texas offers flexible terms and excellent rates on a full-range of commercial working capital loans.  Our bankers take the time to understand your specific business needs and find solutions that work best for you.

  • Business acquisition or expansion
  • Remodeling
  • Loans and Lines of credit
  • Flexible terms to fit your business needs

Fixed Asset:

Flexible terms and fixed rates to acquire or refinance fixed assets for your business.

  • Purchase and refinance

Agriculture

  • Livestock
  • Crop production
  • Equipment
  • Land

Fixed Asset:

Flexible terms and competitive rates to acquire or refinance fixed assets for your business.

  • Purchase and Refinance

 

Move-It-Forward Non-Profit Line of Credit:

A convenient and useful solution to help non-profit organizations manage seasonal or temporary cash flow, while anticipating grants or outside funding.  Easy approval process with quick local decisions.

  • Up to $50,000
  • Term – up to 1 year
  • No fees
  • Low interest rate

Contact one of our experienced loan officers at our main location at 501 E Third Street in Lampasas.

 

Kelvin Barkowsky

 

Kelvin Barkowsky – First Texas Bank, President and CEO

NMLS# 613906

kbarkowsky@firsttexasbank.com

(512) 556-3691

 

Lee Loeffler

 

Lee Loeffler – Senior Vice President/Lending

NMLS# 808843

lloeffler@firsttexasbank.com

(512) 556-3691

 

Ladonna Bishop

 

Ladonna Bishop – Banking Officer/Lending

NMLS# 1385473

lbishop@firsttexasbank.com

(512) 556-3691