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Business Loans

Commercial lending is what First Bank of the Palm Beaches does best. There are roughly 65,000 registered businesses in Palm Beach County with revenue less than $10,000,000. All of those businesses have unique needs and individual circumstances. The one size fits all lending style that the big banks are good at certainly does not fit every one of those businesses.

So why choose First Bank? There is a lot of competition in the banking industry but we think First Bank has the tools to outperform that competition and make you happy you chose us.

  • Local decision making: Commercial loans are all unique and and decision makers in your neighborhood are going to better understand your needs than decision makers in other parts of the country.  At First Bank, you will always know where you stand.
  • Convenient and enjoyable banking: Commercial loans typically come with banking relationships. The service, banker availability, low fees and advice you will receive with your First Bank relationship will keep you happy and coming back for more.
  • Real relationships: There is nothing hidden with our loans at First Bank. No hidden prepayment penalties, hidden fees or fine print. We offer more than just loans, we offer relationships and take our part of the relationship seriously.

Owner Occupied Commercial Real Estate Loans

First Bank knows commercial real estate and can help you with your growth needs as well as the evaluation of a lease vs. buy decision for your business location.

Furthermore, we can steer you to any number of professionals in our area that we have worked with time and time again. We know who does good work at fair prices, finishes projects on time and gives the best advice. Use our knowledge to your benefit and get the benefit of a real banking relationship.

Investment Property

Investment real estate is a large part of our Palm Beach County economy. Income producing real estate investments are typically a good source of cash flow and a solid investment in your personal and business future. First Bank will gladly take a look at financing your investment property needs.

Working Capital Lines of Credit

There are many reasons why a business might need to finance working capital. Payments might come in 90 days while vendors have to be paid in 30 days. First Bank understands the cash flow conversion cycle and can help you understand your working capital needs and provide the financing necessary to fill the gap.

Seasonal Lines of Credit

South Florida is a highly seasonal economy. Many excellent and long standing businesses in our area are highly profitable during season and experience a loss during the summer. First Bank can bridge the seasonal cash flow shortfall with a seasonal line of credit.

Equipment and Asset Financing

Businesses need to invest in technology, increase capacity and purchase vehicles to get the job done and invest in tomorrow. First Bank is here today to finance your equipment needs in order to give you a leg up on your competition.

The Decision Making Process

Again, the difference between First Bank and the big banks is our ability to understand your individual circumstances. Our bankers are all in the same community and there is no decision maker in Philadelphia, Charlotte or San Francisco that will get in the way. If you want to know where we are in the decision making process or why we made a particular decision, walk into our bank and speak with our Chief Lending Officer or CEO directly. We will take the time to make sure that you know everything that we know.