Flexible funding, no collateral needed
A First Financial Bank Small Business Line of Credit gives you the flexibility to access funds when you need them. This means you can cover unexpected expenses, manage cash flow, stock up on inventory, or invest in new opportunities. Whatever your business need, we are here to help.
Apply today and give your business the flexibility it deserves.
Features & Benefits
Simple Application & Local Decisioning Process |
No Collateral Required |
Easy Access to Funds When You Need Them |
Expert Advice from our Local Bankers |
Loan at a Glance
To submit your business line of credit application, you must meet the minimum requirements, including but not limited to:
Line of Credit Amount | $10,000 - $75,000 ($10,000 maximum for businesses less than 2 years old) |
Term | 36 months |
Interest Rate | Prime + margin based on credit score |
Annual Fee | 1% or $250; whichever is greater |
Loan Type | Secured or Unsecured, subject to credit underwriting |
Customer Status | Primary business account with First Financial Bank required |
How do I apply for a Small Business Unsecured Line of Credit?
Make your application process smoother by preparing these items in advance. So that we can assess your eligibility for a Small Business line of credit, we will need some basic information, including but not limited to:
- Your business tax ID number (EIN)
- Your social security number, and the social security number of any individual who owns more than 20% of the business
- Last two years business tax returns and year to date profit/loss with a balance sheet
To apply, please visit a branch near you and speak with a Commercial Relationship Manager.
Rate is based on the Prime Rate (as published in The Wall Street Journal), which is 7.50% as of 12/19/2024. Rates, program terms, and conditions are subject to change without notice.