Top SBA Lenders

First Home is the bank that helps you grow your business. We specialize in small business loans across a wide array of industries for debt consolidation, working capital, business acquisitions, commercial real estate and equipment financing. We have a team dedicated to fast closings and white glove customer service – which has earned us the title of #1 SBA lender for loans under $350,000!


Backed by the federal government, SBA loans serve businesses that might not otherwise meet conventional loan requirements. We are dedicated to growing businesses in the greater Tampa Bay area and across the nation by offering flexible lending options and customized terms to fit your needs. With several SBA loan options, we can help provide access to the financial support you need to start a new business or expand an existing one!

SBA 7(a) Loan Program

The SBA 7(a) loan program provides loans from $50,000 to $5 million to eligible borrowers for starting, acquiring and expanding a small business. This type of loan is the most basic and the most used within SBA’s business loan programs.

SBA 504 Loan Program

The SBA 504 Loan Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as real estate, buildings and equipment. First Home Bank offers the SBA 504 Loan Program to businesses located in the greater Tampa Bay area.

SBA International Trade Loan (ITL) Program

The SBA International Loan Program provides growing businesses in a position to expand existing export markets or develop new export markets, or small businesses that have been adversely affected by international trade to improve their competitive position.

US Department of Agriculture (USDA) Business and Industry (B&I) Loan Program

The USDA B&I Loan Program is designed to help create and maintain employment and improve the economic and environmental climate in rural communities.

Benefits of SBA Financing:

If you’re looking for longer repayment terms, a lower down payment, debt refinancing, or working capital an SBA Loan may be the perfect solution for you.

  • Longer repayment terms (up to 25 years for owner-occupied real estate fully amortizing)
  • Financing from $50,000 to $5,000,000
  • Down payments as low as 10%
  • No pre-payment penalties for loans with maturities less than 15 years
  • No balloon payments
  • Flexible collateral structure

*All loans are subject to credit approval procedures and credit standards.


How We Have Helped Other Small Businesses

Franchise Start-Up

Franchise start upFirst Home Bank provided a $725M 10 year term loan to finance the build-out of a newly franchised indoor cycling studio. Loan proceeds provided new equipment and start-up working capital to assist the business during the first six months.

Working Capital

small business loansFirst Home Bank recently funded a $200,000 SBA loan to a veterinary practice in California. The loan proceeds were utilized as working capital to hire additional associate staff. This loan was approved and closed in 14 days!

Debt Refinancing

debt refinancingFirst Home Bank provided $720M for debt refinance and working capital to a company who exports specialty building materials to Central America and the Caribbean. This SBA loan allowed the client to get out of merchant cash advance financing, high-interest loans, and an accounts receivable factoring line resulting in a savings of $285M per year. This savings along with additional working capital will allow the client to expand their business.

Manufacturer Financing

small business administration loansFirst Home Bank provided $5MM for working capital, equipment purchase, and debt refinance to a light manufacturing company located in central Florida. The client was able to purchase new equipment and used the working capital to help expand their business. In addition, the client was able to refinance both high-cost debt and debt that was maturing.

small business loans

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