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As an ambitious business owner, you strive to stay agile, swiftly responding to crises and opportunities. Working with a commercial lender that slows up the process, isn’t equally as responsive, or doesn’t think proactively, is frustrating. At First Business Bank, we make decisions locally and rapidly, so you get loan answers when you expect and need them.

Our Commercial Lending experts prioritize your needs — in fact, that’s built right in to our niche business model and is a tenet of our bank’s culture. And you can rest assured you’ll be dealing with experts who have extensive experience across a range of industries. We choose local, key decision-makers for our board. They live here, raise families here, and have a personal, vested interest in the shared success of our clients and our community.

Grow Your Business


With access to experience, best practices, and resources we’ve developed through working with hundreds of successful companies, you’ll benefit from more than just a loan. 

Peace of Mind


Credit and cash flow — it can keep you up at night. Whether you have big plans to propel your company to new heights or are expecting a cash crunch at your next payroll, First Business Bank has the resources, responsiveness, and the creativity to help.

Integrity in Action


We stake our business on doing what we say we’ll do, and it shows. Our most recent Client Satisfaction Survey results show a 97% client satisfaction rating, a testament to our business integrity, personal attention, and stellar team members.



Your growth strategy deserves a financial partner who works quickly and
diligently — one who knows your story and is positioned to help you achieve now and in the future.


Lines of Credit

  • Improve cash flow and cash management options with low monthly interest-only payments
  • Manage funds with floating interest rate
  • Access available funds immediately
  • Increase line availability as business and collateral grows
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Draw Notes

  • Flex purpose and collateral when not all money is spent at once

  • Keep expenses low as interest accrues only on balances outstanding
  • Explore various payment options
  • Examine multiple rate options
  • Simplify purchase of machinery and equipment

term loans

  • Fix note payments for up to five years — occasionally longer

  • Pay loans over period of time; normally less than the useful life of the collateral
  • Budget easily with equal monthly payments
  • Smooth cash flow for asset purchases
  • Flexible rate structure


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  • Achieve low monthly payments

  • Explore short-term options
  • Budget conveniently since no principal payment is required until completion, when rent payments are received
  • Choose the rate type
  • Manage cash flow on regular basis
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  • Choose between a fixed or variable rate

  • Lower expenses due to low monthly payments with up to 25-year amortization
  • Secured by commercial real estate
  • Enjoy fixed notes and payments for up to five years, occasionally longer
  • Choose from multiple rate options




  • Achieve low monthly payments

  • Explore short-term options
  • Budget conveniently since no principal payment is required until completion, when rent payments are received
  • Choose the rate type
  • Manage cash flow on regular basis


  •  Use for international commerce: transferable, partial shipment, revolving, back-to-back, in which credit can be used as collateral, or red clause, in which credit can be drawn before shipping

  • Increase cash flow since interest is only charged once draw is made
  • Purchase goods and services that otherwise need payment in advance
  • Reduce expenses since it costs less than borrowing funds
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Business credit cards

  • Enjoy multiple credit limits for individual needs that aggregate at company master level

  • Divide credit line among many credit cards based on purchasing needs
  • Access account information online easily
  • Pay online
  • Easily manage employee expenses
  • Create reports online


Consumer Bill Payment clients may see a one-time pop up message when accessing the Bill Payment section of Online Banking informing you about heightened Virtual Card payment security.

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Access to our Remote Deposit Capture system is intermittently unavailable; users may not be able to access it at this time. We are working to restore access as possible. If you have questions, please contact us at:

  1. Wisconsin Region: 608-232-5938
  2. Kansas Region: 913-717-6464