Automobile Loans


Everyone looks for a great price when they purchase a new or used vehicle but do they look for a great interest rate? Once you settle on that vehicle’s price your next step is to pay for it. First Guaranty Bank offers competitive loan rates on both new and used cars, trucks, SUV’s, crossovers and mini-vans from a dealer or individual of your choice. Applying for financing is fast and easy.

To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Term Loans


First Guaranty Bank offers three types of term loans: Unsecured, CD-Secured and Asset-Secured, all at extremely competitive rates.

Unsecured Loans – A loan for which you do not offer any collateral. This loan is great to consolidate your debt, take a dream vacation and more.

CD-Secured Loans – A loan that uses your certificate of deposit as collateral. This loan gives you on the spot approval with one of the lowest interest rates available, all while you continue to earn interest on your CD.

Asset-Secured Loans – A loan that is secured against your business assets such as real estate, equipment, inventory, accounts receivable, etc. This loan allows the borrower a lower rate of interest and a flexible repayment period.

To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Real Estate Loans


The purchase of real estate is a sound decision. First Guaranty Bank has the experience and lending power to assist you with all your real estate ventures. From residential homes to investment-grade properties, First Guaranty Bank is your first and last stop for all your lending needs.

To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Interim Construction Loans


First Guaranty Bank is a leader in construction lending. With an expert knowledge of construction lending requirements, we have streamlined the loan process. A construction loan is used to finance commercial construction projects. You draw funds as needed to pay contractors and suppliers. When the building is completed, the loan is paid off with proceeds from permanent financing. Most construction loans are granted after permanent financing has been arranged.

To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Agricultural and Equipment Loans


The United States Department of Agriculture (USDA) and Farm Service Agency (FSA) Guaranteed Loan Program provides financial support for rural businesses. First Guaranty Bank understands the very important role the agricultural business plays in our state. This is why we specialize in loans made to farmers or to those engaged in the business of raising livestock, grain, or related products.

To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Small Business Administration Loans


First Guaranty Bank holds a “Certified Lender” designation with the U.S. Small Business Administration (SBA).  This lets us help our clients by marketing SBA loans available to them throughout all our markets.

First Guaranty Bank participates in the following lending programs:

  • U.S. Small Business Administration (SBA)
    • 7(a) including Low Doc
    • 504 – Long term loans for real estate and fixed asset acquisition and construction
  • USDA’s Business and Industry Program – To meet the needs of rural businesses
  • Louisiana Economic Development Corporation – Guarantee and participation in programs of the LEDC.

 
To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Line of Credit


At First Guaranty Bank we understand the challenges of cash-flow in a business. With our line of credit, your business has ready access to funds to help you meet any unexpected financial challenges that may arise.

  • Revolving Line of Credit – may be secured or unsecured
  • Variable rate indexed to Wall Street Journal Prime

 
To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Letter of Credit


First Guaranty Bank is ready to assist with all your business banking needs. Our expert business bankers understand your time is valuable and strive everyday to exceed your expectations. Should you require a business service such as a letter a credit, do not hesitate to contact us and we will make sure your needs are addressed in a timely fashion.

  • Lets you conserve cash ordinarily used for security deposits
  • Not an actual loan, but a payment guarantee
  • Gives the buyer a stronger negotiating position
  • Commercial letters of credit (primary method of payment) and standby letters of credit available
  • Fee-based pricing

 
To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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 Credit Cards


A First Guaranty Bank Credit Card provides purchasing power and shopping convenience at millions of locations around the world all with the security of knowing your account information will be handled locally at a First Guaranty Bank branch.  Your dreams can become a reality from rewards earned with First Guaranty Bank’s ScoreCard Program.

To receive more information or to apply for any of these loans, please visit one of our convenient branch locations.

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