Cars, Trucks, Boats, and Motorcycles – Are you considering a new vehicle or week-end toy? FB&T offers competitive rates on your favorite mode of transportation with terms to fit your monthly budget.

Debt Consolidation – Are your credit card or other bills stacking up? FB&T can assist you in consolidating all of your personal loans into one simple monthly payment.

Home Equity – FB&T offers home equity loan products to allow you the flexibility to borrow money for just about anything you need.

Home Improvement – Need to update your home?  How about adding another room or two?  FB&T can help you!

Credit Cards – See one of our friendly loan officers to qualify for a low 9.9%APR, no annual fee credit card today. Get the disclosure and application (240KB PDF) now or to view and/or pay your existing FB&T credit card account, please visit www.mycardstatement.com.

Residential Construction – Looking to build your dream house? FB&T is the leader in Lubbock in residential construction loans.  Our lenders have the expertise to help you set up an interim construction loan to build your home.  We are a very active member of the West Texas Home Builders Association.

Residential Investment Property – Whether you are looking for a house for a college student to live in or you want to build your net worth,  FB&T offers several loan products to assist you with these purchases. 

Working Capital – Has your business grown to the point it needs additional funding to help with inventory and accounts receivable? Call one of our lenders to assist you in planning for the future of your business.

Equipment – Does your business need more equipment to compete or do you simply need to upgrade the old equipment?  FB&T will be happy to finance your company’s equipment needs with terms you can live with.

Real Estate – Do you need a new building or add on to the existing location?  Call one of our lenders to visit about your loan options.

SBA Low Doc (under $150,000)/ SBA 7A– Want to start your own business or purchase an existing business?  How about some working capital or debt consolidation? SBA loans are an excellent source to allow you and your company a flexible amortization to maximize your cash flow. FB&T continues to be one of the largest SBA lenders in West Texas.

SBA 504 Loans – This SBA program allows you to construct or purchase an existing building for your business with only 10% cash down and fixed interest rate up to 20 years on a portion of the loan.  This is an excellent way to reduce your interest rate risk.  FB&T is a leader in West Texas when it comes to SBA loans.