Let's Talk

Success Story

$21,000 Annual Savings with the right Loan


The owner of a gas station/convenience store needs to refinance a loan with a large balloon payment. Margins on gas typically are low, and external factors, like road construction, can dramatically impact the business’s cash flow, so it’s considered risky. On top of that, gas tanks present environmental concerns that drive away some lenders.


Industry Bias

Lenders simply can’t understand the complex nuances of all industries, and may choose to stay away from supporting businesses within it.


First Business Bank offers a complete toolbox of funding solutions to meet business owners’ unique needs. For this situation, an SBA loan is a perfect fit. Guaranteed by the U.S. Small Business Administration, SBA loans are an alternative to traditional bank loans, designed to help people starting up or growing a business who may not meet traditional lending standards.


Removes Industry Concern

The U.S. Small Business Administration typically guarantees 75% of SBA loans so First Business Bank is more comfortable extending SBA loans within an industry traditional lenders consider risky.

Reduces Monthly Loan Payment

The First Business Bank SBA loan reduces this business owner’s monthly loan payment by 23%. The long, 25-year amortization reduces the monthly payment from $7,500 to $5,714, amounting to $21,000 savings annually.

Special Purpose Real Estate

This loan includes property designated by the SBA as Special Purpose Real Estate, defined as “a property that is appropriate for one use or limited use: a building that cannot be converted to another use without a large capital investment.”

"Our $820,000 SBA loan features a 25-year amortization, so now our client has a consistent loan payment over the next 25 years. Conventional loans often include a balloon payment, which causes borrowers to refinance every few years, and risk rejection. This SBA loan is fully paid over 25 years with no balloon, so our client doesn’t have to worry about refinancing every five years. More importantly, the new loan improved cash flow by $21,000 per year.

Marty Ferguson, Managing Director of SBA Lending, First Business Bank


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.

Read More ›


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