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Loans and Lines of Credit

Get the capital you need to grow

We offer a range of financing options to meet your business needs. 


Equipment & Vehicle Loans

Financing for all types of equipment and vehicles needed to support your business: from machinery to office equipment, and purchasing or refinancing. 

Real Estate Loans

Whether you're expanding, remodeling, or refinancing an existing property, real estate loans can be structured to fit your project. 

Lines of Credit

We have lines of credit designed to support cash flow. LOCs can help with short-term inventory purchases, account receivables, or even as an emergency fund.

Term Notes

Fixed-rate loans can facilitate working capital needs or debt consolidation.

SBA Lending

The Small Business Administration offers loan programs for businesses looking for maximum financing for real estate, equipment, or to expand your cash flow. Visit our SBA Lending page for more information.

Capital Solutions 

First Federal's Capital Solutions team offers unique financing for projects anywhere in the US. For financing or re-financing HUD, Apartments, Hotels, Medical and Healthcare complexes, Retail and more, benefits may include a long-term fixed rate, without a personal guarantee and are assumable. Minimum amounts apply. 


Interested in learning more? Click here to find a Commercial Loan Officer near you.
Ready to apply? Click here to start the application. Bring it with you when you meet with your Commercial Officer. 


First Federal understands our business. They understand they are partners with us... "                                            Nick Patel ~ Lake City, FL
We've been with the bank 4-6 months and the experience has been highly positive."                                                 Adrian Sedlin ~ Goleta, CA
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Warehouse Lending

We offer Warehouse Lines of Credit, starting at $3,000,000, with wet and same day funding available.

Learn more about our Warehouse Lending