Loans and Lines of Credit

Get the capital you need to grow.

Purchasing • Financing • Business Equipment

Vehicle or Equipment Loan

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

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7.99%* Equipment Loans

Whether you're expanding your business or replacing outdated equipment, First Federal Bank offers competitive rates* to get you the equipment you need.



Acquiring the proper equipment can be difficult for businesses. First Federal Bank makes it easy to receive financing for all the machinery you need to succeed.

Low Rates

Our low rates make financing your vehicle or equipment a breeze. We strive to bring you the lowest rates possible to help keep your business growing.

Office Renovation • Equipment • Travel Expenses

Credit Card

Whether you need to furnish an office or hit the ground running with new laptops, our business credit card accounts are quick to set-up, easy to use, affordable, and secure.

Office Renovations

While renovating your office space, take advantage of our business rewards card and rack up points.


Purchasing new office equipment and needing extra funds? Our business credit cards are an easy way to cover the investment.

Travel Expenses

Traveling with a business rewards card is a simple way to rack up points and create expense reports quickly.

Remodeling • New Property • Real Estate Loan


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

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Growing businesses often find themselves needing a remodel. First Federal Bank makes remodeling easy with our low interest rates and quality customer support.

Real Estate

Purchasing a new location or getting started with your first brick and mortar? Our team of experts will work with you through the fine details to get your dream building. 

Cash Flow • Emergency Funds 

Line 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.

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Emergency Funds

When the unexpected hits and you need cash immediately, a line of credit is a great choice. Our team can help get things back on track and funds in your account quickly.

Other financing options to meet your business needs. 

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(Opens in a new Window) 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

*Loan approval is subject to credit underwriting and approval. Loan available for up to $75,000, fixed interest rate for up to 60 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required.