Lines of Credit and Term Loans

Lending solutions that fit your business

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Locally owned businesses and entrepreneurs are an integral part of the communities we serve. First Foundation Bank recognizes the importance of supporting these businesses by offering a variety of lending options. Our commercial bankers partner with you to understand your business, your goals, and unique needs so that we can tailor a credit solution that helps you achieve more.

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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

We offer term loans for the purchase of fixed assets or other capital expenditures, tenant improvement, business acquisition including partner buy-outs, and other expansion opportunities your business may need.

Finance CAPEX to conserve cash flow
Build out your space to meet your needs
Grow your business through acquisitions
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Speak to a Business Banker

When you are ready to engage and see how we can help you grow your business, please let us know a bit about you and how to reach you.

Selected Loan and Line of Credit Relationships


Revolving Line of Credit
Wood Products Manufacturer


ABL Revolving Line of Credit
Consumer Products Manufacturer/Importer


Term Loan for Business Acquisition


Revolving Line of Credit
Auto Parts Manufacturer


Revolving Line of Credit
Precision Parts Manufacturer


Term Loan for Expansion & Partner Buyout
Law Firm


Revolving Line of Credit
Engineering Services Firm


Term Loan for Equipment Purchase
Machine Shop


Revolving Line of Credit
Nutritional Supplement Distributor
Team working session
Business Lending

Business Lending Team

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

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.

Investment, Insurance, Digital Assets, and Advisory Products and Services: