First Financial Bank, National Association
SBA 7(a) Lending Profile · FY 2023 analysis
Industry Focus
Top industries served by First Financial Bank, National Association
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 445320 | Beer, Wine, and Liquor Retailers | 32 | $9.3M | $291K | 6.6% |
| 811192 | Car Washes | 24 | $19.7M | $821K | 4.9% |
| 238110 | Poured Concrete Foundation and Structure Contractors | 16 | $6.2M | $388K | 3.3% |
| 722511 | Full-Service Restaurants | 16 | $2.6M | $163K | 3.3% |
| 484121 | General Freight Trucking, Long Distance, Truckload | 16 | $5.9M | $371K | 3.3% |
| 541512 | Computer Systems Design Services | 16 | $800K | $50K | 3.3% |
| 323113 | Commercial Screen Printing | 16 | $2.3M | $143K | 3.3% |
| 524210 | Insurance Agencies and Brokerages | 16 | $7.4M | $463K | 3.3% |
| 624410 | Child Day Care Services | 16 | $160K | $10K | 3.3% |
| 485991 | Special Needs Transportation | 8 | $13.4M | $1.7M | 1.6% |
Geographic Distribution
SBA lending activity for First Financial Bank, National Association by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Kentucky (KY) | 256 | $92.2M | 52.5% |
| Tennessee (TN) | 48 | $59.4M | 9.8% |
| Indiana (IN) | 144 | $52.8M | 29.5% |
| Illinois (IL) | 32 | $7.5M | 6.6% |
| North Carolina (NC) | 8 | $2.4M | 1.6% |
Why Choose First Financial Bank, National Association?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 488 SBA loans approved, totaling $214.3M in financing
- ✓Industry Expertise: Specialized focus on Beer, Wine, and Liquor Retailers, Car Washes, Poured Concrete Foundation and Structure Contractors
- ✓Competitive Terms: Average interest rate of 6.05% with flexible term lengths averaging 107 months
- ✓Loan Range: Loan sizes from $10K to $4.0M, with an average of $439K
- ✓Nationwide Reach: Active lending in 5 states, with strong presence in KY, IN, TN
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about First Financial Bank, National Association SBA lending
What types of businesses does First Financial Bank, National Association typically finance?
First Financial Bank, National Association specializes in SBA 7(a) lending to specific industries including beer, wine, and liquor retailers, car washes, poured concrete foundation and structure contractors, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are First Financial Bank, National Association's typical SBA loan terms?
First Financial Bank, National Association's SBA 7(a) loans typically feature an average interest rate of 6.05% and average term length of 107 months (approximately 9 years). Loan sizes range from $10K to $4.0M, with an average loan size of $439K.
Do I need a business valuation for a First Financial Bank, National Association SBA loan?
Yes, First Financial Bank, National Association typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does First Financial Bank, National Association compare to other SBA lenders?
First Financial Bank, National Association has originated 488 SBA loans totaling $214.3M since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does First Financial Bank, National Association lend in?
First Financial Bank, National Association provides SBA 7(a) financing with particularly strong presence in KY, IN, TN, IL, NC. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Certified valuations are often required for SBA loans over $250,000.
Get your certified valuation from Fair Market Value.