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FDIC FDIC-Insured – Backed by the full faith and credit of the U.S. Government
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Government Loan Programs
Government Guaranteed Loans

Secure flexible financing backed by federal and state agencies. Whether you're expanding, buying property, or covering operating costs, our government loan options reduce your risk and keep your business moving forward.

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Affordable Capital That Works Harder for You

Running a business already takes everything you’ve got—financing it shouldn’t take more. Government loan programs can help reduce risk, improve cash flow, and make big moves possible.

At First Financial, we simplify the process. With a dedicated team and personalized guidance, we help you find and secure the right loan structure for your goals.

Why Choose Government-Backed Lending? 

  • Extended repayment terms to ease monthly pressure
  • Lower down payment requirements to preserve capital
  • Competitive rates backed by federal and state programs
  • Personalized guidance through every step of the process

SBA Loans: A Better Path to Growth

SBA loans help small businesses access flexible capital with lower down payments, longer terms, and minimal equity. As a trusted SBA lender, First Financial simplifies the process—aligning your loan with your goals for growth, real estate, or refinancing.

SBA 7(a)

Great for acquisitions, real estate, working capital, and refinancing.

  • Up to 90% financing
  • No balloon payments
  • Loan amounts up to $5 million
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SBA 504

Ideal for commercial real estate or large equipment purchases

  • Low down payments (typically 10%)
  • Fixed or variable interest rates
  • Loan amounts up to $15 million
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USDA Loans: Strengthening Rural Business Growth

USDA loans offer long-term financing for rural businesses—covering real estate, equipment, or working capital—with terms that support stability and growth. At First Financial, we guide you through every step of the B&I loan process, making it easier to get the funding you need.

Common Uses for USDA Loans

Real Estate

Purchase or renovate facilities

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Equipment

Finance new or upgraded machinery

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Working Capital

Support day-to-day operations or expansion

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Financing That Fits Your Plan

How It Works

  1. Meet with a Government Loan Specialist
  2. Get a loan plan tailored to your business
  3. Access funding and digital tools to stay on track

With First Financial, you don’t have to go it alone. We’re here to help you move forward—every step of the way.

Confident Growth Starts Here

Whether you're expanding locations, launching a new product, or investing in long-term stability, First Financial helps you get there with smarter, government-backed financing—and support that lasts beyond the loan.

Subject to credit approval.