Lines of Credit and Term Loans

Lending solutions that fit your business

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Small and medium businesses are an integral part of the communities we serve. First Foundation Bank recognizes this importance and provides solutions by offering a variety of lending options, allowing these businesses to continue growing and fostering the economic development of our communities. We will partner you with a knowledgeable commercial banker to help determine your unique financing needs and tailor loans to fit your business.

Revolving Lines of Credit

With a revolving line of credit, you have the flexibility to borrow as much or as little as you need to meet your specific working capital needs, which may include:

Managing seasonality of cash flow
Taking advantage of trade discounts
Expediting inventory purchases
Managing short-term cash flow while you wait for collection of receivables

Asset Based Lines of Credit (ABL)

With an ABL, you can better manage your company’s growth with quicker access to loan funds. ABL’s rely on the current value of your accounts receivable and inventory to support your need for additional financing. Most ABL’s are structured as a revolving line of credit limiting the need for principal payments. Companies that typically benefit from ABL’s include:

Companies that require immediate reinvestment of operating cash flow back into the business
Companies with longer operating cycles
Companies with higher leverage
Companies with higher revenue growth rates

Term Loans (for Capital Expenditures)

We offer term loans to facilitate capital expenditures, such as purchase of equipment, tenant improvements and any other expansion opportunities your business may require. We can help you finance your growth.

Team working session
Business Lending

Business Lending Team

Our experienced lenders are ready to assist with your next financing need.

Selective Line of Credit Relationships


ABL Line of Credit
Paving Contractor


Payoff for Higher Rate Loan


Owner-Occupied Real Estate Loan
Exhaust Manufacturer


Short-Term Cash Flow
Food Services


Website & Marketing
Real Estate Management


Litigation Costs


Working Capital
HVAC Supplier


Working Capital
Lumber Importer

Looking for financing under $250,000?

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Need to finance more than $250,000? Our lending team can help.

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SBA Lending

Access loans made just for small businesses

Through the SBA lending program, newer businesses or established businesses that don't quite meet traditional financing requirements, can find a flexible loan to meet their needs.

Equipment Finance

Put equipment financing to work for your business

Our Equipment Finance Department is focused on providing a full range of equipment financing services for bank customers, prospects, and through a network of third-party originators.

Commercial real estate
Commercial Real Estate Lending

Need financing for your commercial real estate investment properties?

First Foundation Bank offers industry-leading financing solutions for the purchase or refinance of your commercial real estate investment properties.

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Deposit and loan products offered by First Foundation Bank, Member FDIC and Equal Housing Lender. NMLS #793235.

Investment and Advisory Services provided by First Foundation Advisors, an SEC-Registered Investment Advisor. Trust Services and Insurance Services are offered through First Foundation Bank. First Foundation Insurance Services license number #0H38553.

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