NOTICE: Our Online and Mobile banking services are available 24/7 so you can bank whenever you want, from wherever you are. Click here to learn more.

Business Banking

Business Lending

Your business is OUR business!

With decades of collective experience, our business lenders help entrepreneurs like you turn their dreams into a reality.

Whether you need a business loan, or a line of credit, we take the time to understand your business and provide solutions that meet your financial needs. We offer loan terms and conditions that help ease your financing concerns, and make it simple for you to repay your loan.

Let us find the perfect solution for you!

Business lending construction site

Commercial Mortgages

The location of your business is one of the biggest decisions you will make! Let us assist you with a competitive commercial real estate loan. 

Our application process is easy, and you can be confident in our excellent repayment terms and competitive rates, backed by our knowledgeable business lenders who are responsive and helpful.

We’re here to provide you with guidance on all the details.

  • Quick loan decisions
  • Equity can be used as down-payment¹
  • Automatic payments available
  • Competitive rates & terms (up to 25 year terms)

¹Available for use on initial purchase, construction, refinancing, renovation, or accessing equity.

Construction Loans

Construction loans are perfect for the business owner who wants to expand by building a new building or structure on a piece of land, or give an existing property a makeover.

Repairs and construction can be costly, but our expert lenders make it simple to apply and get approved.

  • Use for initial construction, renovations, expansions, repairs, and more
  • Competitive rates & terms
  • Monthly interest-only payments during construction phase based on outstanding balance
  • May be used for the full cost of project¹
  • Option to transition to permanent financing when construction is completed

¹If terms are met. Consult with a Commercial Lending Officer for details.

Equipment Loans

There are so many things to think about when you own a business. You shouldn’t have to worry about whether you have enough capital to afford new equipment when you need it.

That’s why we offer competitive rates on equipment loans—so you can purchase the items you need to run your business effectively!

  • Finance new or used equipment
  • Finance replacement or upgraded equipment
  • Competitive rates & terms
  • Competitive down payment requirements
  • Reasonable payment options available
  • No prepayment penalties

Letters of Credit

We’ve got your back when it comes to your business. Our Commercial Lending Team helps you structure letter of credit terms that best meet the needs of your business—so you can have the funding you need, when you need it.

Our letters of credit serve as a guarantee for payment to a person or financial institution under specified conditions.

  • Can be used in place of an insurance bond
  • Typically irrevocable for the term
  • You pay no interest if you don’t use it
  • FSB’s backing allows you to transact business with a third-party requiring evidence of payment guarantee
  • Can assist with construction projects

Line of Credit

As your business evolves, you may want access to funds for other needs. A line of credit from Franklin Savings Bank will help improve your cash flow.

We can help you take the next step to reach your business goals. Our business lenders make it fast and easy to apply.

  • Monthly interest-only payments
  • Short-term or seasonal cash flow needs
  • Deposits directly into your account

Commercial Lending Team

We’re with you every step of the way!

James DuBois, SVP Senior Loan Officer

James Dubois

EVP, Senior Loan Officer

Direct Line: 603.934.8337

Mobile: 603.455.9965



Photo of Mary Jane RIcker

Mary Jane Ricker

SVP, Commercial Loan Officer

Direct Line: 603.934.8365

Mobile: 603.455.0741



Michael Duval

Michael Duval

VP, Commercial Loan Officer

Direct Line: 603.934.0409

Mobile: 603.393.7734



Jon Jones, Commercial Loan Portfolio Manager

Jon Jones

VP, Commercial Loan Officer

Direct Line: 603.934.0401

Mobile: 603.455.5450


Ken Sawyer

Ken Sawyer

VP, Commercial Loan Officer

Direct Line: 603.934.0471

Mobile: 603.455.7266


Todd Watson, VP, Commercial Lending Officer

Todd Watson

VP, Commercial Loan Officer

Direct Line: 603.934.8376

Mobile: 603.455.7975


Todd Watson, VP, Commercial Lending Officer

Shane Brewer

VP, Commercial Loan Officer

Direct Line: 603.934.4445

Mobile: 603.828.4462


Switching Banks

Is As Easy As 1.2.3

You are now leaving the FSB website.

FSB is not responsible for the content or accuracy of information, the availability or security of this linked website.

You will be redirected to

Click the link above to continue or CANCEL