First Home Bank is a Nationwide Preferred Small Business Lender and a Top 10 SBA lender with five full-service banking centers in Tampa Bay and Sarasota. We are dedicated to growing businesses locally and nationwide by offering flexible lending options and customized terms to fit your needs. In 2017 alone, we approved $270 million in SBA loans to help small business owners start or grow their companies. Loans can be for business acquisitions, commercial real estate, equipment financing, and working capital.

Benefits of SBA- guaranteed loans

Competitive terms – SBA-guaranteed loans generally have rates and fees that are comparable to non-guaranteed loans.

Unique benefits – Lower down payments, flexible overhead requirements, and no collateral needed for some loans.

Types of SBA Loans

Get $50,000 to $5 million to fund your business. Loans guaranteed by the SBA range from small to large and can be used for most business purposes, including long-term fixed assets and operating capital. Some loan programs set restrictions on how you can use the funds, so check with an SBA-approved lender, such as First Home Bank, when requesting a loan. First Home Bank can match you with the right loan for your business needs.

Working capital – Seasonal financing, export loans, and refinanced business debt.

Fixed assets – Furniture, real estate, machinery, equipment, construction, and remodeling.


Lenders and loan programs have unique eligibility requirements. In general, eligibility is based on what a business does to receive its income, the character of its ownership, and where the business operates. Normally, businesses must meet size standards, be able to repay, and have a sound business purpose. Even those with slightly blemished credit may qualify for startup funding. The lender will provide you with a full list of eligibility requirements for your loan.

Be a for-profit business – The business is officially registered and operates legally.

Do business in the U.S. – The business is physically located and operates in the U.S. or its territories.

Have invested equity – The business owner has invested their own time or money into the business.

Loans for exporters – Most U.S. banks view loans for exporters as risky. This can make it harder for you to get loans for things like day-to-day operations, advance orders with suppliers, and debt refinancing. That’s why the SBA created programs to make it easier for U.S. small businesses to get export loans.

With several SBA loan options, we can provide access to the financial support you need to start a new business or expand an existing one. 

Get $1,000 Off Closing Costs

Applied to a First Home Bank SBA Loan

Term sheet must be signed by March 31, 2019.

For more information contact our SBA Loan Specialist, Daniel Brian, at 727.685.2066 or by email at

*All loans subject to approval, including credit approval. Income, credit, and/or property restrictions may apply. Loan must close to receive credit. If credit exceeds closing costs, credit is limited to actual amount of closing costs. Offer applies to existing customers.

small business loans

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