Properly structured financing can play a major role in building your business and making it more profitable. That’s why we offer a wide variety of commercial lending options designed to meet your business needs and to achieve your financial goals. Our experienced commercial banking officers will provide you advice on the financing solution that will achieve your short and long term financial goals.

For more specific details, including current interest rates and fees, please call one of our commercial banking representatives – they’ll be glad to help.

Small business? Mid-size business? Large business?
We have the loans for you and the experience to help you succeed with all of your business loan needs.

Commercial Real Estate

If your business is expanding, our commercial real estate department can assist you. We have been a leader in commercial/industrial real estate lending within our service area for many years. Below is an overview of the types of commercial real estate financing available.

Types of Projects (Purchases, Refinances, Development and Construction)

• Business expansion


• Single-Family Construction


• Office and Multi-family


• Income Producing Projects (apartment,


• Subdivision Development


• Retail shopping centers, etc.)

Term Loans

When you need financing for the acquisition of equipment, for financing a business acquisition, or for refinancing of debt, a term loan is your best solution. You get the full amount you need right away, so you can start putting it to work quickly. Frequency of principal and interest repayments will be customized to meet your cash flow abilities.

Line of Credit

A line of credit many be used to fund a variety of business needs.

• Revolving Line of Credit
  May be used to provide working capital to purchase inventory and carry accounts receivable for a business whose sales growth is greater than the working capital available to support that sales growth.


• Seasonal Line of Credit
  May be used to finance the build up of inventory and the carrying of accounts receivable during a “business peak” sales period.


• Draw Note
  May be used to finance the construction of a specific real estate project.

Each Line of Credit provides the following features:

• Access
  By simply calling a loan officer, customers may request draws to be deposited into a business checking account enabling them to manage how and when funds will be used. Automated systems (sweep accounts) which transfer funds from the pre-approved line of credit to cover items presented for payment in your business checking account, may be used with the revolving line of credit.


• Terms
  Terms are typically one year or less, and are customized by line of credit
  type and borrowing need. Interest may be billed monthly, quarterly,
  or semi-annually. For your convenience, interest payments may be automatically
  deducted from your business checking account.

Small Business Administration (SBA) Guaranteed Loan Program

These loans are backed by the Small Business Administration, an agency of the U.S. government and enable the bank to aid the small business community by advancing necessary funds that would not be available under normal lending criteria. SBA loans can be made for credit-worthy purposed such as the acquisition of business real estate, machinery or equipment, working capital, as well as other entrepreneurial ventures.

The maximum loan amount is $2 million and the maximum guarantee is $1 million. Loans under $150,000 carry an SBA guarantee of 85%, and those greater than $150,000 carry a 75% SBA guarantee. All loans require both bank and SBA approval.

Agricultural Loans

Agricultural loans are available for agricultural land, livestock, crops, equipment and machinery, as well as lines of credit to meet seasonal funding needs. We would be happy to work with you to structure the right loan package to meet your funding needs.

Letters of Credit

A letter of credit from the bank will guarantee the payment of your drafts for a specified period and amount. A domestic or international letter of credit can help you make purchases or conduct business when you have a more limited credit history or business experience.

Bridge Financing

May be used to bridge a “gap” until a specific business even enables you to repay the loans. For example, a bridge loan could be used to finance a new building until such time as the current building can be sold, etc.


Features and Benefits of the MasterCard BusinessCard^®Card

Simplify tracking and reporting

• Set individual and group spending limits based on employee and management needs.


• Choose the billing cycle, billing structure, and payment terms that work best for your organization.


• Use the card at millions of acceptance locations-minimizing the need for employee cash advances or reimbursements.

Enjoy unsurpassed global acceptance and purchasing flexibility

• Millions of acceptance locations around the world.


• Access to cash at over 900,000 bank and ATM locations worldwide providing the largest global ATM network.


• MasterCard^®, Maestro^® and Cirrus^® cash machines at hundreds of airports, thousands of financial institutions, hotels, resorts, shopping malls, tourist attractions, and recreational areas...wherever you travel.


• The ability to extend payments, allowing you to overcome any short-term revenue gaps.

Insure and protect your business

• MasterRental^® Insurance Coverage.
  Provides full-value-primary loss coverage (up to $50,000) and secondary personal effects coverage for rental vehicles for up to 31 consecutive days.


• Purchase Assurance^®and Extended Warranty.
  Protects and provides extended warranty on items purchased with the MasterCard BusinessCard.


• Master RoadAssist^® Roadside Service.
  24-hour emergency roadside assistance available through MasterCard and the American Automobile Association (AAA).


• Travel Services Medical Protection^® Medical.
  Expense coverage up to a maximum benefit of $2,500 per person, per trip for costs relating to hospital admission or emergency care.


• MasterTrip^®; Travel Assistance.
  Emergency cash, replacement of lost tickets and documents, and lost luggage assistance.


• MasterLegal^® Referral Service.
  Provides legal referral and bail bond assistance while cardholders are abroad.


• Zero Liability 
  As a MasterCard cardholder First Financial Bank won't hold you liable in the event of an unauthorized use of your U.S.-issued MasterCard card. This coverage extends to purchases made in a store, over the telephone, or online.

 

• Zero Liability is provided under the following conditions:




• Your account is in good standing.


• You have exercised reasonable care in safeguarding your card.


• You have not reported two or more unauthorized events in the past 
  12 months.