First Financial  

Alternative, Additional Data Now Powering Small Business Loan Approval

Many small business find themselves unable to secure small business loans or company credit cards, so they end up relying completely on the personal credit of the business owner in order to make transactions. This means the business goes on not developing any credit history, and thus in the future still will not be able to secure outside financing.

Why does this happen? When small business owners sit down and try to raise capital, they are often confronted with a catch 22: Their business can’t receive a loan because it  has no credit history, but at the same time it cannot build up it’s credit until they are granted a loan.

This is a huge problem. Too often, even profitable business ideas are unable to get off the ground simply because the owner cannot get his business financed. First Financial is dedicated to solving this problem and helping small business owners grow their business. We do this by taking into account more data and variables in our loan decision making process than our competitors. We examine the history of the business, website architecture and traffic, customer feedback and much more. The result is a system that can analyze your business based off of hundreds of different metrics, and gives a more complete picture of your business performance and potential. This allows us to lend more and give small business owners the capital they need to make their dreams a reality.

First Financial’s use of big data and our development of innovative lending procedures has allowed thousands of small business owners to get financed when they otherwise would have been unable to. In fact, many of our clients come to us and are able to secure financing after having been previously rejected by a traditional bank. First Financial use of big data has allowed thousands of business hire new employees, open new locations and so much more.

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First Financial

First Financial ® Corporate Headquarters 2850 Womble Road Suite 100-604 San Diego, CA 92106

Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern)

Merchant Services / High Risk Merchant Accounts: 1-800-950-0212 Fax: 1-800-215-0217


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