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Commercial Financing

Running A Business 2 min read

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Finding the right commercial financing is easier said than done. If you’re starting a business or trying to grow, finding the right option can be a tough task. Learn more about different commercial financing options and how First Bank can help.

Commercial Financing Questions and Options

While finding commercial financing can be critical to business development, navigating the process is never easy. Understanding your financing options can be the difference between success or stagnation.

Whether it’s knowing how much to borrow or finding a good rate, few business owners can do it alone. There are a range of products for business owners to get capital. Here are some options you will find at First Bank:

Lines of Credit
First Bank offers several different lines of credit for small business owners. Whatever your needs, you’ll find the flexibility to access your money both quickly and conveniently. And the good news is, once your credit line is repaid, you can reuse it as needed to keep pace as business opportunities arise.

SBA Loans
Perfect for small business owners, SBA loans are government sponsored. This can help people get started when traditional commercial financing isn’t an option. Learn more about First Bank SBA and how we help small businesses.

Loans for Construction
Whether you’re building, remodeling, or expanding your space, we can help you find a solution. First Bank’s financing specialists help connect builders and borrowers with the loans they need to get the job done.

Business and Commercial Loans
Business owners are able to quickly enhance their financing with First Bank’s competitive loans and mortgages. If you’re financing small items or need real estate expertise, these are the best options for you.

Find a First Bank Branch Near You

We take pride in getting small businesses the financing they need to be successful. Whether you’re just starting up or are looking to grow, we can find the money you need so you can spend time building your business.

Get started today by finding a First Bank branch near you!

Loans Subject To Approval

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ACH Payroll Rule Changes Effective March 20, 2026 At a Glance: Frequently Asked Questions What is changing with ACH payroll in 2026? Starting March 20, 2026, ACH transactions used to pay wages, salaries, or other similar types of compensation must include “PAYROLL” in the Company Entry Description field. This applies regardless of the worker's status (covering both W-2 employees and 1099 contract employees. Additionally, pre-tax deductions such as contributions to a Health Savings Account (HSA) are also required to use the "PAYROLL" descriptor. What is Nacha? Nacha is the organization responsible for setting and enforcing the rules that govern the ACH Network in the United States. Read this article to learn more about Nacha Who needs to take action? Businesses that use ACH transfer services to pay employees (both W2 and 1099) wages, salaries or other forms of compensation (including pre-tax deductions like HSA contributions) will need to ensure they are entering "PAYROLL" in the Company Entry Description field. If you upload a file to process your ACH payroll transactions, you will need to ensure that your file upload meets this new "PAYROLL" requirement. Do First Bank customers need to do anything? Many First Bank customers do not. Payroll transactions processed through Payroll Templates will be updated automatically to comply with this new rule change. If you prepare a file outside of First Bank online banking and upload it into our system, you'll need to update your file so that the Company Entry Description field is "PAYROLL". What happens if payroll files are not updated? After March 20, 2026, payroll files that do not meet the new requirement may result in returned payroll items, and originators may receive a Notice of Change. Understanding the New ACH Payroll Rule Taking Effect March 20, 2026 If your business uses ACH to pay employees, an important rule change is approaching that may affect how payroll transactions are processed. Beginning March 20, 2026, updated Nacha requirements will apply to payroll-related ACH transactions. These changes are intended to help reduce payroll fraud and prevent misdirected payments across the ACH network. This article explains what is changing, how it may apply to First Bank customers, and what steps payroll originators should take to prepare. What Is Changing? Starting March 20, 2026, ACH transactions used to pay wages, salaries, or similar compensation must include “PAYROLL” in the Company Entry Description field. This requirement applies specifically to payroll transactions and does not affect ACH payments for vendors, consumer payments, or other non-payroll activity. Nacha, the organization that governs the ACH network, introduced this change to make payroll entries easier to identify and monitor. This strengthens risk controls and helps financial institutions detect potential fraud more effectively. How This Affects First Bank Customers The impact of this change depends on how payroll ACH transactions are originated. Customers Using First Bank’s Payroll Solutions: If you use First Bank’s Payroll option within online banking, a template, or file upload, no action is required. First Bank will automatically apply the updated Company Entry Description to payroll transactions processed through these tools. Customers Using ACH Pass-Thru: Because ACH Pass-Thru files are generated externally, they will not be automatically updated to meet the new requirement. If this applies to you, contact your payroll provider to confirm that payroll files will include “PAYROLL” in the Company Entry Description field before March 20, 2026. Payroll files that do not meet the new standard may result in returned payroll items.. Unsure How Your Payroll Is Processed? If you are not certain which method you use to originate payroll ACH transactions, Business Support can help confirm your setup and explain how the change applies to your business. Why This Matters for ACH Originators Businesses that originate ACH transactions are responsible for ensuring those transactions are accurate, authorized, and compliant with Nacha rules. Staying informed about rule changes like this one can help reduce the risk of payment disruptions, avoid delays in employee payroll, and support overall ACH compliance. Share This Information with Your Team If payroll is managed by someone else within your organization, such as a payroll processor, accountant, or third-party provider, be sure to share this information so any necessary updates can be made before the March 20 deadline. Need Help? First Bank’s Business Support team is available to answer questions and assist with understanding how this change applies to your account. Phone: 1-866-435-7208 Hours: Monday through Friday, 8:30 a.m. to 5:30 p.m. 4 min read

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