SBA lending solutions for your small business

SBA and Guaranteed Lending

First Foundation Bank offers lending solutions to business owners that do not quite meet traditional financing requirements. Subject to a variety of credit characteristics, our loan products, and guidelines, offer up to 90% loan-to-value, the ability to lend on special purpose properties, extended amortization, projection-based projects, and non-real estate secured.

Business and property types include but are not limited to:

Manufacturers, industrial, service-based, medical, hotels, gas stations, liquor stores, office, retail, storage, automotive, warehouses, preschools, mixed-use, and private schools.

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SBA Loan Products Offered

SBA 7a

This flexible general-purpose loan can be used for owner occupied commercial property, equipment, inventory, working capital, debt refinance, business acquisitions, and business expansions. Loan amounts up to $5,000,000.

SBA 504

This loan offers long term fixed rates for the purchase and/or refinance of owner-occupied commercial property and/or equipment. Up to 90% loan-to-values are available.

SBA Express

This loan is in line with the SBA 7a use of proceeds for up to a 10-year term and offers an interest only period. Commonly used for used for working capital. Loan amounts up $500,000.

California State Loan Guaranty Program

This loan is meant to meet the needs of small businesses and offers many of the advantages of an SBA loan but may also be used for non-profits, businesses with under 50% owner-occupancy, and businesses that have exceeded the amount of SBA eligibility.

Benefits of SBA Loans

Longer terms

Longer terms available, depending on use of loan.

Lower down payments

Lender loan limits apply, up to 90% of eligible project costs and businsess needs covered by the loan.

Can be used for a variety of purposes

Uses include, owner-occupied commercial property, equipment, inventory, working capital, debt refinance, start-up businesses, general business purposes.

Easier to qualify than traditional loans

A variety of businesses including small or newer ones can qualify for an SBA loan.

SBA Lending

SBA Preferred Lender

First Foundation Bank is approved to offer SBA loan products under SBA’s Preferred Lender Program

Are you a small business owner looking for a loan?

Our lending team can help.