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Franklin State Bank

Agriculture & Business


New ideas and new obstacles around every corner. As a business owner, it is likely that you make difficult decisions on a daily basis. Our goal is to be the exception so that your banking and financing isn’t one of those tough items on the list. Whether you are just planning to start your business adventure or have been in the pilot seat for decades, we believe in partnering with you to help build and improve your business and grow. Lending decisions are made right here, by the people who really care to know you. Experience the Difference.

Business Line of Credit

As your business develops, there may come a time when you need additional working capital to manage your cashflow. You can’t always predict every cost to the business. Line of Credit financing is typically annually renewable with competitive variable interest rates. We understand what it takes for a local business to develop and be prosperous, and working with a line of credit loan allows you to have instant access to additional working capital at a moment’s notice.

  • Everything is personalized to your business' needs
  • Experienced bankers to partner with
  • Local decision-making and in-house processing
  • Service and attention of the highest quality

Commercial Real Estate Loans

You have come to the conclusion that you need a different space or more space, and that can be an excellent growing pain to have. Whether it is remodeling an existing building, buying land or buildings for commercial activity, or building a brand new site, the Franklin State Bank has the experience and financing options that are flexible to your needs.

Commercial Equipment Loans

Looking to replace a piece of equipment or upgrade your current platform? For whatever you needs are, from digital assets to furniture, or vehicles and machinery, we are here to serve you financing with competitive rates and an easy process. At the Franklin State Bank, we make things simple and all decisions are made in-house, so when it is time for an update or expansion, you will be able to get the job finished.

Applying for a Business Loan?

You can get the process started by gathering a few things to help us make the loan paperwork easy!

  • Operational Plan
  • Current Financial Statements
  • Prior Year Financial Statements
  • Most recent tax return
  • Additional info about future plans