First Financial  

Bridge & Interim Commercial Loans

Bridge & Interim Commercial Loans

It all starts with your information request. Since every situation is unique, we make sure to directly focus on and understand our customer’s individual needs. After submitting your request, within 24 hours we will reach out to you to discuss your commercial loan options. Since 1996, our loans have helped more than 50,000 customers stay current with what they want from a commercial lender.

Business moves fast, and  First Financial loans have been used by over 50,000 businesses since 1996 to remain competitive and expand their operations.

  • Lower interest rates – our strategic use of automation and low overhead costs translate into lower rates and fees to the borrower.
  • Far higher loan approval rates – The study above found that online lenders approve applicants 60% of the time. Larger and traditional banks approved just 21% of applicants in the first quarter of 2015.[i]
  • We offer the same security and safety for your money than traditional retail banks do – it’s mandated by the FDIC! First Financial depends on 128-bit, “banking-level” encryption, just like every lender in the United States.
  • First Financial puts your convenience first. Applications, approval and documentation are all done online so you can avoid stressful one-on-one interviews and instead secure financing from the comfort of your living room.

Commercial Construction Loans

Rather build than buy?

First Financial offers construction loans that can be used to finance commercial real estate construction. Examples of this include strip malls, residential apartment buildings and condos, as well as mixed use buildings. Loans in order to finance these types of construction projects are almost always necessary.

Both short term and long term financing is available. Short term financing can be used up to a certain point or until the project is finished. Long term financing is then used when you wish to begin repaying the money borrowed.

So, why go with First Financial for a construction loan? For one, we utilize cutting edge software to evaluate the business according to many different factors, whereas traditional banks use only a few to evaluate if you qualify for a loan. We can analyze your business’s performance and potential, giving you a much better chance at receiving a loan.

Commercial Bridge Loans

Interim financing or “bridge loans” allow you to obtain temporary financing. A borrower takes out a loan against a current property to provide a down payment to buy a new property. A bridge loan from First Financial ensures you get the property ideal for expanding your business.

There are many benefits to using a bridge loan. They allow for quicker turn arounds for the borrower than a traditional permanent loan, saving you both time and money. Because they are short term, you stay flexible. Should buying the new property meet some obstacles,

First Financial has several solutions so that the purchase of your new property isn’t threatened.

Apply now for a Commercial Loan from First Financial and get your construction project funded!

First Financial’s “Soft” Credit Inquiry Won’t Lower Your Score

If a bank has rejected financing your commercial real estate construction project, First Financial wants to do business with you. We’ve financed projects for businesses turned down by multiple banks! Operating fully online and automating many tasks, First Financial has far lower overhead than the traditional lender. The money we save on rent, marketing, agents and utility bills allows us to offer more loans at lower rates to more applicants. Our “soft pull” means you learn the rates you qualify for with no negative impact to your credit score. Apply today!

[i] Mills, Karen Gordon and Brayden McCarthy. “The State of Small Business Lending: Credit Access during the Recovery and How Technology May Change the Game” Harvard Business School. 22 July 2014


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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