Business Lending Solutions

At First Financial, our focus is helping our clients. When it comes to evolving your business and making it more profitable, appropriately structured financing can play a major role. Let us help you discover the right lending solutions to foster growth and meet the unique needs of your business. 

We understand all businesses are different. That's why we work to provide custom business loans that reach across multiple industries. Whatever your business need is, our diversified offering of loan and financing solutions can help you take your business to the next level.

Agricultural Loans

Agricultural loans help you finance agricultural land, livestock, crops, equipment and machinery. You can also receive lines of credit to meet seasonal funding needs.

Bridge Financing

Sometimes the flow of incoming and outgoing money doesn’t match. Bridge financing can be used to bridge a gap until a specific business event transpires, enabling you to repay the loan.

Construction Loans

As your business grows, a construction loan can help you finance business facility improvement or expansion.

Letters of Credit

First Financial offers domestic and international letters of credit, which will guarantee the payment of your drafts for a specified period and amount. This lending solution is designed to help you make purchases or conduct business when you have a more limited credit history or business experience.

Lines of Credit

Each line of credit features easy client access and flexible terms to meet your business's needs. A revolving line of credit provides working capital for a business whose sales growth is greater than the working capital available to support that growth. A seasonal line of credit finances inventory buildup and carries accounts receivable during 'business peak' sales periods.

Term Loans

The frequencies of principal and interest repayment for term loans can be customized to meet your cash flow abilities. This financing solution can be used to finance the acquisition of equipment, acquisition of a business and debt restructuring. 



First Financial has been one of the most active lenders in Greater Cincinnati in the past five years and has a recognized team of commercial real estate lenders who craft financial solutions for our clients' commercial real estate needs. First Financial is an active lender in all product lines of commercial real estate. Over the past few years, our team has had increasing opportunities in the area of medical office building and multi-family attached housing, primarily rental units.

Lending Options

Our lending options range between $2MM and $5MM, on average, and no larger than $15MM on any one deal with an aggregate of up to $30MM per customer.

Loan Solutions

First Financial commercial real estate lending solutions include:

  • Term loans, ranging from 1 to 5 years 
  • Permanent loans, ranging from 3 to 7 years 
  • Construction loans, ranging usually 12 to 24 months with interest only during construction and stabilization period, as well as, a 3 to 5 year mini-perm loan option

Contact Our Team

Call First Financial Bank today and ask for one of our commercial real estate experts to begin on your path to success! You will in short order see why FFB has a client list of the biggest and most successful real estate developers in each of our markets we serve… 

All terms and conditions are subject to credit approval. 

SBA Loan Program


First Financial Bank is proud to be a Preferred Lender of the Small Business Administration. In fact, First Financial prides itself on consistently being recognized as one of the Top 10 Lenders in Ohio and being a Bank that meets the demands of small businesses and the demand of providing the best solutions.

All terms and conditions are subject to credit approval. 

Specialty Lending

Our dedicated team of experts works to help your business with all your specialty banking needs. 

First Financial Business Capital

First Financial Business Capital provides Asset-Based and Structured Cash loans to companies East of the Rockies with revenue between $15 million and $125 million that are owned directly by entrepreneurs and private equity sponsors.


First Financial Equipment Finance

Properly structured equipment leases can optimize the value of tax depreciation in the customer financing puzzle; reducing the after-tax cost of capital when compared to traditional borrowing, and accommodate special cash flow considerations, accounting strategies and asset management concerns.


First Franchise Capital Corporation™

Whether you need equipment or real estate financing, a development line for new store growth, remodeling a store or a scrape/rebuild, acquisition financing, or refinancing existing debt, we can help!


Oak Street Funding®

We are a team of industry experts taking appropriate risk to finance for insurance businesses, franchise restaurants, registered investment advisors (RIAs), certified public accountants (CPAs) and commercial automotive receivable portfolios. Our long term relationship focus and flexibility are instrumental in the structure and servicing for our clients allowing them to focus on their business.


All terms and conditions subject to credit approval.

Business Accounts

Today, it's more important than ever for businesses to maximize opportunities. First Financial offers a broad range of business account solutions to help ensure your business makes every dollar count.


Printing Technologies, Inc.

“First Financial has a genuine and tenured team that we have confidence in to partner with us on financial decisions.”

Liquidity Management

Discover solutions to manage excess cash. Check out how your business can utilize our suite of automated sweep account services and be proactive with your cash management strategy.

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Security Tips & Advice

Keep your accounts and information safe. Check our our page filled with tips and advice on how ways to improve the security of important information related to you and your business.

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WorkLife Program

Work. Life. Our goal is to help you and your employees balance work and life by providing financial solutions to improve their quality of life. We believe all employees deserve something extra.

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