Commercial Loans & Lines of Credit

Because your ideas are big, and we are ready to support them.

Elevate Your Business with a Customized Business Loan

Sometimes, having cash on hand isn't enough to make unexpected purchases, seize new business opportunities, or manage everyday operations. Our business loans offer flexible rates, terms, and features tailored to meet the specific needs of your business. They also help you supplement receivables and maintain a healthy cash flow. 

At First Financial, we provide a comprehensive range of customized business loans and have the expertise to support your business needs. Use our Business Loan Payment Calculator to estimate your loan payments.

What We Offer:

  • Working Capital Loans

    Available to finance short-term credit needs, our working capital loans are offered on a revolving and non-revolving basis. 

  • Agriculture Loans

     Ag loans for livestock purchases, equipment, and farming operations are based on the purpose of the loan and the type of collateral.

  • Equipment Loans

    Tailored to match the economic life of assets such as machinery, commercial vehicles, or computer hardware & software.

  • Floor Plan Loans

    Most often used to finance high-value inventory, preserve capital, and maintain an attractive selection of inventory.

  • Commercial Real Estate Loans

    We offer competitive interim construction and permanent real estate loans for manufacturing, retail, warehouse, or office facilities.

  • Residential Construction Loans

    Designed for building single-family homes and typically cover up to 85% of the appraised market value or 90% of the builder's cost.

  • Letters of Credit

    Letters of credit are available if your business requires a bank guarantee of payment to suppliers, governmental agencies, or other creditors. 

  • Oil and Gas Loans (Reserve-Based Lending)

    If your organization is looking to explore, drill, or produce oil and gas, reserve-based lending may be just what you need.

Small Business Administration (SBA) Loans

The U.S. Small Business Administration (SBA) is a federal agency dedicated to helping Americans access the resources needed to start, grow, and expand their businesses. First Financial Bank is proud to offer SBA financing solutions designed to support a wide range of business needs. Whether you are purchasing, building, or expanding your business, our dedicated team of specialists is here to help guide you through the financing process.

Borrower Benefits
  • Access to credit that may not otherwise be available
  • Lower down payment requirements to help preserve working capital 
  • Longer repayment terms that may improve affordability and keep more cash in the business 
  • Fully amortizing to support greater borrowing capacity
  • Reduced financial reporting requirements
  • Minimal covenant requirements
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SBA 7(a) Loan Program

Loan Amounts Up to: 

$5 Million

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SBA 504 Loan Program

Loan Amounts Up to: 

$15 Million

Use of Proceeds:

  • Purchase, renovate, or construct owner-occupied commercial real estate
  • Purchase machinery, equipment, furniture, fixtures, or leasehold improvements
  • Purchase an existing business or finance a partner buyout
  • Start or expand a business
  • Refinance eligible business debt
  • Provide working capital, including funds for inventory and raw materials

Program Details:

Down Payments as Low as 10% |Up to 100% Financing for Existing Businesses in Certain Circumstances
  • Up to 25 years for real estate financing, with note and amortization terms aligned
  • Up to 15 years for heavy equipment or machinery financing
  • Up to 10 years for other eligible business purposes