Why First Financial Bank?

At First Financial, we understand the drive, determination and diligence it takes to successfully run your small business. Whether your business is establishing a presence, entering a growth phase or exploring new horizons – our team of highly trained professionals use a client-centered approach to help you achieve success.

As a recognized leader in small business lending, First Financial is proud to be part of the Preferred Lender Program (PLP) of the Small Business Administration (SBA). As a PLP lender we can deliver project based solutions to assist small businesses with their short and long term goals in a timely fashion.

Why SBA?

An SBA loan can provide financing for a variety of purposes:

  • Purchase machinery and equipment
  • Acquire owner occupied real estate
  • Changes of ownership
  • Provide working capital
  • Refinance business debt
  • Business expansion
  • Leasehold Improvements

Additionally, an SBA loan has benefits over traditional financing that may include:

 

  • Longer terms and amortization
  • Lower required down payment
  • Offset a collateral shortfall
Our Program

SBA 7(A) Loans

As the SBA flagship with term loans up to $5 million, this program can meet the needs of today’s small business marketplace. With longer term options than most conventional loans, small businesses can enjoy a smaller required monthly payment to improve cash flow and accomplish their goals. 7(a) loans can be used for all of the purposes noted above.

SBA website-7(a) loans

SBA Express

A subset of the 7(a) program and designed to be an expedited process, the Express program offers both term loans and lines of credit up to $350,000. The line of credit has a revolving period of up to 5 years, giving small businesses the flexibility to expand their business and manage their inventory and accounts receivable effectively. Express term loans can be used for all the same purposes as the 7(a) program.

SBA website-Express

SBA 504 Loan

The 504 program provides a small business with long-term, lower
than market fixed rate financing to acquire major assets for expansion or modernization. Typically, these assets are owner occupied real estate or large equipment and machinery. First Financial Bank partners with a local Certified Development Company to deliver this popular solution.

SBA website-504 Loans

For further information on specific rates and terms of this loan program, please visit the SBA website. The terms and conditions are solely within the control of the SBA and may change at any time at the sole discretion of the SBA. All loans are subject to credit approval.

Read about how an SBA loan may be the perfect fit for your small business.

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Read about the 5 myths of an SBA loan.

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Lending Solutions

When it comes to evolving your business, appropriately structured financing can play a major role. Let us help you discover the right lending solutions to foster growth. Subject to credit approval.

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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 a little something extra when it comes to banking.

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