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Whether you're a startup or an established company, First American Bank is invested in your business plan.

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Fast access to funds can keep your cash flow strong

As a business owner, your financial needs change daily. That's why First American Bank created our Business Reserve, a line of credit linked to your business checking account. When you're faced with emergency repairs, inventory shortages or other unanticipated commercial expenses, you can quickly access extra funds to keep everything running smoothly, whether your business is in Illinois, Wisconsin, Florida or beyond.

  • Qualified businesses that have been open for at least two years are eligible for lines of $1,000 to $5,000
  • Funds will be added to your First American Bank business checking account in increments of $500
  • Minimum payment automatically deducted from your business checking account
  • Variable interest rate of WSJ Prime plus 15%
  • Low $50 annual fee
  • No advance fees

Subject to credit approval. Not available for Money Service Businesses. A personal guaranty is required. Minimum payment of 5% of the principal balance owing as of the statement date, or $100, whichever is greater. Late charge 5% of the payment or $25, whichever is greater.