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At Franklin State Bank, we help businesses throughout Winnsboro, Franklin Parish, and surrounding Louisiana communities grow and succeed through flexible financing.

Loans Designed for Your Life and Business

Since 1908, Franklin State Bank has proudly helped individuals, farmers, and local businesses access the financing they need. Whether you're buying land, growing your operation, managing cash flow, or covering personal expenses, our experienced lending team is here to help — with fast, local decisions and flexible loan options.

Our Lending Services

We offer a wide variety of personal and commercial loans tailored to your needs:

LOAN OPTIONS THAT WORK FOR YOUR BUSINESS

Personal Loans

Designed for individuals and families, our personal lending options help you manage everyday needs or major milestones.

Auto Loans

Competitive rates for new and used vehicles

Flexible terms and fast approval

Local servicing for your convenience

Personal Loans

Use for medical bills, vacations, home improvements, or unexpected expenses

Fixed payments with terms that fit your budget

Quick, in-house approval process

Real Estate Loans

Competitive terms for purchase, refinance or construction

Recreational land

Personal Loans
business loans at Franklin state bank

Business Loans

We support small businesses and growing enterprises across Northeast Louisiana with smart, dependable lending solutions.

Real Estate Loans

Purchase, refinance, or build commercial properties

Ideal for working capital or seasonal cash flow needs

Flexible repayment and reusable credit access

Recreational land

Inventory Loans

Maintain product availability with short-term financing

Useful for retail, distribution, or seasonal stock

Equipment Financing

Finance new or used business equipment

Affordable terms that align with your business’s cash flow

Community Development Loans

Financing for churches, nursing homes, schools, and public entities

Designed to uplift nonprofits and public-serving organizations

Competitive terms with guidance from our local lending team

Business Loans
At Franklin State Bank, we’re more than just your local bank—we’re your business partner. Since 1908, we’ve helped small businesses, family farms, nonprofits, and commercial enterprises in Winnsboro and Franklin Parish grow and succeed. Whether you need a reliable checking account, a business loan, or tools to manage your cash flow, our local team is here to help.

Agricultural Loans

As a community bank rooted in rural Louisiana, we understand the needs of local farmers and agribusinesses.

Farm Real Estate Loans

Finance the purchase or improvement of farmland

Refinance to improve your cash flow or investment return

Operating Loans

Support seasonal needs like seed, feed, fertilizer, or payroll

Customized repayment terms based on your operation

Ag Equipment Financing

Finance tractors, irrigation systems, and other machinery

Flexible terms to match your production cycle

Agricultural Loans

Why Borrow from Franklin State Bank?

Trusted community lender since 1908

Fast decisions made locally

Flexible terms and competitive rates

Experienced lenders who know your name

In-house servicing — real people, not call centers

Franklin State Bank in Louisiana