Photo of Amanda Jones, Commercial Lender at Community First Bank outside of construction site with clients looking up and pointing at building.


We offer a wide variety of personalized lending options to meet your business needs. As a locally owned bank, our decision makers call the Tri-Cities area home, allowing us the flexibility to provide individuals and businesses with customized lending solutions.

Business Loans

Commercial Real Estate

Commercial Real Estate

Are you looking for a new building for your business or considering an investment in commercial property? From owner and non-owner occupied to investment real estate, multi-family, or office/retail space, we offer a full suite of commercial real estate lending options to meet your needs. Contact us today to see what option is best for your business.

Commercial Construction

Commercial Construction

Interested in building the perfect workspace or expanding your current facility?

Community First Bank offers a wide variety of financing options to meet your commercial construction needs. Whether you’re looking for an all-in-one loan with the option to fix your interest rate up front, or a construction-to-permanent loan, we’re here to help. From owner- and non-occupied to home builders’ loans, meet with one of our lenders today to learn how we can assist with your next project.

Small Business/SBA

Small Business Loans

Running your own business can be challenging, but your small business loan can go smoothly with the assistance of one of our business bankers. We understand the importance of simplicity and getting the job done. There are a variety of small business loans available depending on the size and needs of your business. Community First Bank specializes in SBA 504, SBA 7(a), and SBA Express program loans. Let us help you determine what loan option is best for your growing business.

Learn about small business loans available to you by visiting our Small Business Lending page.



Every business is different; that is why your loans should be too. Let us help you get the equipment for your business's specific needs. We finance all types of equipment—from commercial vehicles (both small and large) and food processing equipment to fleet vehicles and various furniture, fixtures, and equipment (FF&E). Contact us today to find out how we can help you get the tools you need to run your business.

Lines of Credit

Lines of Credit

Whether you’re looking for a way to manage your cash flow needs or thinking about expanding your business, our lines of credit can provide you with the financial flexibility you need. We understand the importance of your bottom line. Meet with us today to determine which line of credit is right for your business.

  • Capital Expenditures Line of Credit
  • Working Capital Lines of Credit
  • Asset Based Lines of Credit
  • Medical Professionals Line of Credit
  • Non-Revolving Line of Credit
  • Revolving Line of Credit
  • Secured Line of Credit
  • Unsecured Line of Credit
  • Wealth Management Line of Credit

Business Lending Services

  • Commercial Lending

  • Small Business Lending

  • Line of Credit

  • Commercial Real Estate Construction

  • Commercial Real Estate Loan, Owner and Non-Owner

  • Agriculture Loans and Lines of Credit

  • Equipment Financing

  • ACH Origination


community story

John and Danny

Our small business partners are at the heart of everything we do. Locally owned businesses make goods and services available to our region and help to ensure that the money made in the Tri-Cities stays right here in the community.

John and Danny have built their business on hard work, holistic advice, and honesty—attributes we are all too familiar with here at Community First Bank & HFG Trust. Excellent client service is what originally began our partnership, and it’s what keeps the Archibalds at the top of their game.


Business Lending Team

Matthew Backlund

Chief Lending Officer

Melissa Callaway

Director of Credit Administration

Cameron Stephens

Business Banking Team Lead

Russ Prince

Credit Manager

Rick Pullen

Construction & Consumer Banker

David Doak

Business Banker

Amanda Jones

Business Banker

Jesus Melendez

Business Banker

Cassandra Arey

Business Banker