Commercial Loans

RATES AS LOW AS 5.75%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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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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5.75% for 12 months1

Real Estate Secured
Tap into working capital with a 12-month line of credit secured by real estate at just 5.75%.


7.75% for 12 months2

Unsecured
Get fast, flexible funding without collateral—just 7.75% for 12 months.

6.85% APR3 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 commercial4 owner-occupied real estate, up to $1,000,000.3

"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

Rolling Stock Lending as Low as 6.85%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 6.85%5

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) Introductory variable rate of 5.75% for the first 12 months, based on Prime Rate (6.75% as of 06/23/26) minus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate. Rate is subject to change with changes in Prime. All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated July 1, 2026.
2) Introductory variable rate of 7.75% for the first 12 months, based on the Prime Rate (6.75% as of 06/23/26) plus 1.00%. After the first 12 months, the rate will adjust to the Prime Rate plus 2.00%. Rate subject to change with changes in Prime. All lines are subject to credit approval and underwriting. Not all applicants will qualify for advertised rates and terms. Minimum line size of $50,000 and maximum line size of $1,000,000. A line fee of 1.0% applies unless a minimum of 10% of the line amount is drawn at closing, in which case the fee is 0.50% of the line amount. Borrower is responsible for customary closing costs. Rates are based on the current Prime Rate and are subject to change without notice. Updated July 1, 2026.
3) Relationship builder Loan Program for new business customers only, for commercial owner-occupied real estate loans and certain commercial real estate loans. Not all applicants will qualify for advertised rates and terms. 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 6.85% 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 7/1/26 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.
4) Commercial real estate loans involving medical, office, warehouse, distribution, manufacturing and refrigerated/cold storage would be considered. Updated July 2026.
5) 6.85% fixed rate for terms up to 72 months available for purchase on new equipment including rolling stock, for qualified borrowers. 2) 6.85% fixed rate for terms up to 60 months available for purchase on used equipment, including rolling stock, for qualified borrowers.

All loans subject to credit approval and underwriting.