At First County Bank, we understand that every business has unique financial goals. Whether you’re expanding operations, managing cash flow, investing in new opportunities, or planning for long-term growth, our commercial lending team provides personalized financing solutions backed by local decision-making and relationship-focused service.

Business Lending

First County Bank offers flexible business lending solutions designed to support companies across a wide range of industries. From commercial real estate financing and construction loans to lines of credit and SBA lending, our experienced commercial banking professionals work closely with you to structure financing that aligns with your business objectives. With local expertise and responsive service, we help businesses throughout Fairfield County and surrounding communities access the capital they need to grow confidently.

Life Insurance Premium Financing

Life insurance premium financing can help high-net-worth individuals and business owners preserve liquidity while maintaining valuable life insurance coverage. First County Bank provides customized financing solutions that allow clients to spread premium costs over time while supporting broader estate planning, business succession, and wealth preservation strategies. Our team works collaboratively with clients and their advisors to develop financing structures tailored to their long-term financial goals.

Insurance Agency Financing

Insurance agencies face unique operational and growth challenges, from managing acquisitions to supporting working capital and technology investments. First County Bank offers tailored financing solutions designed specifically for insurance agencies, helping owners strengthen operations, improve cash flow, and pursue expansion opportunities. Our relationship-driven approach ensures you receive responsive support and lending solutions aligned with your agency’s evolving needs.

Frequently Asked Questions

What types of commercial loans does First County Bank offer?

First County Bank offers a variety of commercial lending solutions, including commercial real estate loans, construction financing, SBA loans, business lines of credit, and equipment financing.

Who can apply for business lending services?

Business lending services are available to businesses of many sizes and industries throughout Connecticut and the surrounding areas. Our commercial lending team works with local businesses, nonprofits, investors, and professional service firms.

What is life insurance premium financing?

Life insurance premium financing allows qualified individuals or business owners to finance life insurance premiums rather than paying large lump-sum amounts upfront, helping preserve liquidity and cash flow.

Why choose a community bank for commercial lending?

Community banks like First County Bank provide personalized service, local decision-making, and relationship-based banking solutions. Our experienced lending professionals take the time to understand your goals and develop financing strategies tailored to your business needs.

Talk to a Business Banker About Your Commercial Lending Needs

For a customized credit solution for your business, connect with John Dowling at jdowling@firstcountybank.com or 203-462-4361.

Contact Us