Loans

Term Loans
Lines of Credit
Overdraft Lines of Credit
HELOC Loans
Commercial Real Estate
Multi-Use-Family
Construction

Business Term Loans

At First Central Savings Bank Get a loan that meets your specific business needs. First Central Savings' business term loans can help you make a major facility move or location change, purchase equipment, improve your building or facility or develop and market a new product. Our term loans offer competitive origination fees, flexible repayment terms or fixed or floating interest rates.

Talk to one of our Business Loan Team banking professionals—they're talented, knowledgeable and will help you choose a credit solution to meet your needs.

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Business Lines of Credit

At First Central Savings Bank you can have funds available when your business needs them. Use a Business Line of Credit for extra working capital, unexpected expenses or extra buying power. We offer quick access to line of credit funds, optional overdraft protection from your Supreme Link Plus business checking account, variable interest rates, competitive annual fees and low monthly payments

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Business Overdraft Protection

At First Central Savings Bank you can have funds have funds available when your business really needs them. Our Supreme Link Business Overdraft Protection provides:

• Protection for your business checking account from unexpected overdrafts and non-sufficient funds charges
• Overdraft lines of credit
• Competitive annual fees

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Business HELOC

First Central Savings Bank offers a flexible and convenient home equity line of credit HELOC. You choose what you want to do with your home equity line of credit. Consolidate bills, remodel your business, purchase equipment, buy a new fund a new business or purchase a car.

The benefits are possible tax advantages – interest on a home equity line of credit may be tax deductible (consult a tax advisor), you may fix all or a portion of your credit line balance at a great low rate and quick credit approval.

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Commercial Real Estate Lending

First Central Savings Bank Commercial Real Estate Loans Business Team offers an array of first mortgage loans on residential and commercial properties.

The Real Estate Business Team Professionals at First Central Savings Bank are experts in this field. These Professionals have established streamlined lending guidelines and procedures to ensure efficient and quick turnaround at competitive rates and prices.

Property Types:

• Apartment Buildings
• Office Buildings
• Retail Properties
• Industrial/Manufacturing Properties

Also:

• Construction Loans
• Floating and Fixed Rate Loans

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Multi-Family – Multi-Use Loans

First Central Savings Bank offers a flexible and convenient residential multi-family and multi-use loan product. Our Real Estate Team at offers first mortgage loans on residential and commercial properties.

The Real Estate Team Professionals at First Central Savings Bank are experts in this field. These Professionals have established streamlined lending guidelines and procedures to ensure efficient and quick turnaround at competitive prices with floating and fixed rate loans and construction loans on

Property Types:

• Apartment Buildings
• Office Buildings
• Retail Properties
• Industrial/Manufacturing Properties

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Construction Loans

First Central Savings Bank provides construction loans on commercial real estate and business loans that are collateralized with real estate. We provide business acquisition loans and loans to expand or improve your existing business. We also provide loans to refinance existing debt. Our Commercial Loan Team Professionals offers conventional construction loans. We can secure financing for virtually any kind of business, including but not limited to:

• Owner Occupied Buildings
• Manufacturing Facilities
• Movie Theatres
• Health Care Facilities
• Apartment Housing
• Shopping Centers
• Office Buildings
• Automobile Dealerships

First Central Savings provides customized loans with a higher loan to value and longer term than the larger bank’s product line. If you are looking for a lender that will work with you one-on-one as your personal private lender and a lender that says Yes! when your other bank says no, look no farther. We're offering you excellent service and personal attention!

CommercialMortgages@FirstCentralSavings.com

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