Commercial Loans for your Business

Take your business to the next level with a customized business loan.

Sometimes it takes more than cash-on-hand to make unexpected purchases, capitalize on new business opportunities, and perform day-to-day operations. Our business loans not only have flexible rates, terms, and features to meet the specific needs of your business, they also allow you to supplement receivables and maintain adequate cash flow. Speak with a business lender in your area  to help determine which option is best for your business.

 At First Financial, we offer a full line of customized business loans and have the expertise to meet your business needs. To get an idea about what your loan payment would be, use our Business Loan Payment Calculator.

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Working Capital Loans

Available to finance short-term credit needs, our working capital loans are offered on a revolving and non-revolving basis. The typical term is one year or less.

Agriculture Loans

Whether it’s for the purchase, feeding and care of livestock, or for equipment purchases and farming operations, our ag loans have variable terms and flexible schedules based on the purpose of your loan and the collateral pledged.

Equipment Loans

For purchases such as factory equipment, commercial vehicles, or computer hardware and software, equipment loan terms are set according to the economic life of the equipment. Generally, they do not exceed five years.

Floor Plan Loans

A floor plan loan could prove advantageous if your business carries durable goods inventories such as automobiles, appliances, diesel trucks, boats, recreational vehicles, trailers or heavy equipment. A floor plan loan is most often used to finance high-value inventory, to preserve capital and to keep an attractive selection of inventory available for customers.

Commercial Real Estate Loans

Whether your business needs to purchase, construct or add-on to a facility for manufacturing, retail, warehouse or office purposes, we have interim construction loans and permanent real estate loans with competitive rates and terms.

Residential Construction Loans

Available for building single-family residences, residential construction loans generally do not exceed 85% of the appraised market value or 90% of the builder's cost. Loan proceeds are funded in stages corresponding to the percentage of work completed, and construction progress is monitored through periodic site inspections. Since the loan is funded as the project proceeds, the builder borrows funds to cover costs as they are incurred, which lowers the cost of borrowing. This method of borrowing also assures funds are available to complete the project.

Letters of Credit

Letters of credit are available if your business is seeking a bank guarantee of payment to suppliers, governmental agencies and other creditors. Letters of Credit terms and conditions determine the fee charged by the bank to the customer.

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. First Financial oil and gas loans help with the cost of exploration and production projects, acquisitions or royalty purchases. We also offer working capital Lines of Credit to E&P companies.