We focus on your banking,
so you can focus on your business.
A Smarter Choice for Commercial Real Estate Lending
Excellent Customer Service
Local Decision Making
Streamlined Approval Process

Providing Opportunities for Small Businesses

First Southern Bank offers SBA/USDA loans, including the popular SBA 7a program, for most small businesses who can or do occupy 51% of their space and that are looking to acquire real estate, refinance a loan, and expand or modernize their existing space. Our loans will offer competitive rates with longer terms, and will provide qualifying businesses 25-year loans with no balloons or calls, so there is no need to refinance over and over again.
  • Fixed and variable rate programs available
  • Up to 25-year terms available
  • Maximum loan size $5,000,000
  • Most businesses are eligible

Customized Lending Solutions for South, Central & North Florida

Types of properties include but are not limited to:

  • Office Buildings
  • Warehouse
  • Light Industrial
  • Retail
  • Medical/Professional

Highly Experienced & Qualified Team

Don Adams, Senior Vice President, leads the Small Business Lending team and has over 35 years of SBA/USDA lending experience. He is both highly experienced and proficient in preparing all of the forms and documents needed to turn the loan qualification process around quickly and efficiently. Because of his well-known expertise in the field, Mr. Adams served as Chairman on the SBA North Florida District Office Advisory Council for eight years. In 2010, he was also selected as one of a few bankers nationwide to give input to the USDA in Washington, DC on how to enhance their lending programs.