Commercial Loans

RATES AS LOW AS 6%1

At First Federal Bank, we make business financing simple—offering streamlined solutions, responsive service, and the support you need to keep your business moving forward.
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6.49% APR2 Commercial Owner-Occupied Real Estate Loans

Begin a relationship with First Federal, and you’ll be rewarded with a loan offering an excellent rate for commercial owner-occupied real estate, up to $1,000,000.2

"They listen to you, they learn about you, and they lead the way in developing financial solutions. If you are searching for a bank that fosters an authentic environment of service, your search is over with finding First Federal Bank. I look forward to moving other accounts to them and for you to stop by a local branch to meet their team, they can help!"

CUSTOMER Caesar Kellum
small-business

Business Line of Credit

Grow your business with confidence—First Federal Bank makes it easy to access the capital you need with fast approvals, flexible options, and personalized support every step of the way.

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6.00% for 12 months1

Real Estate Secured
Tap into working capital with a 12-month line of credit secured by real estate at just 6.00%.


6.50% for 12 months3

Equipment Secured
Use your equipment as collateral and access funding at a competitive 6.50% for 12 months.


7.25% for 12 months4

Unsecured
Get fast, flexible funding without collateral—just 7.25% for 12 months.

Rolling Stock Lending as Low as 6.60%5

Our low-rate rolling stock commercial loans are designed to get your business moving. We offer options for both new and used trucks, trailers, and construction equipment.

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Equipment Lending as Low as 6.55%6

Power your business with the tools you need—First Federal Bank offers straightforward equipment financing with flexible terms, quick decisions, and personalized service to keep you moving.

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Ready to get started?

Let's talk and see how First Federal Bank can provide quality and tailored banking services that are focused on you.

The team really went above and beyond to get me into this house and under the terms I was looking for. I highly recommend First Federal Bank and plan to work with them again in the future. Five stars!

Google Review - Martin

1)  6.00% for real estate secured business line of credit based off the Prime Rate (6.75% as of 12/16/25) minus 0.75% for the first 12 months. After 12 months, the rate will be the Prime Rate.
2)  Relationship Builder Loan Program for new business customers only, for commercial owner-occupied real estate loans. Policy loan to value, credit scores, and repayment terms will apply. Amortization will be based on First Federal Bank loan policy. 0.5% origination fee applies. Loan approval rates are subject to credit underwriting and approval. Additional terms and conditions apply. There is a tiered fixed rate of 6.49% APR for the first 2 years then repricing every 3 years based on the 3-year Constant Maturing Treasury (CMT) plus 300 basis points. The Annual Percentage Rate (APR) is current as of 8/1/25 and is subject to change without notice. To receive the advertised rate, the following requirements must be met: open a business account, sign up for automatic payments, and enroll in eStatements.Rate increases by 0.25% for each requirement not met. All payments include principal and interest. First Federal existing loans are not eligible for this promotion. Updated October 2025.
3) 6.50% for equipment secured commercial line of credit based off the Prime Rate (6.75% as of 12/16/25) minus 0.25% for the first 12 months. After 12 months, the rate will be the Prime Rate plus 0.5%.
4)  7.25% for unsecured commercial line of credit is based off the Prime Rate (6.75% as of 12/16/25) plus 0.50% for the first 12 months. After 12 months, the rate will be the Prime Rate plus 2.0%.
5) 6.60% fixed for 72 months. Available for the purchase of new rolling stock (commercial vehicles) for those who qualify. Loan approval is subject to credit underwriting and approval. Rate and lending terms may depend on your financial condition and credit history. Standard fees apply. Final approval may require additional documentation. Loan minimum is $5,000 and loan maximum is up to and including $250,000, fixed interest rate for up to 72 months, fully amortizing with principal payments. Customer is responsible for closing costs. First Federal Bank business checking account and auto debit required. Updated August 2025.
6) 6.55% available to those who qualify. Loan approval is subject to credit underwriting and approval. Loan available for up to and including $500,000, 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. Limited time offer. Updated October 2025.

All loans subject to credit approval and underwriting.