Business Loans & Lines of Credit

Whether your business is small as an old-time soda fountain or large with several locations, we can help your business grow with our EASY business loans. Reach us at 844-FHB-EASY or send us a message.

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Business Loans

All of our decisions are made locally by people who understand your situation. We have quick turnarounds. We do one thing most big banks don’t… We consider you in our loan decision and don’t rely solely on a computer.

At First Harrison Bank, we can help you with business loans on a variety of things in a variety of ways. Some of the things we can help you with include expansion loans, increased inventory levels, new construction, refinance, real estate, machinery, automobiles, equipment, and more!

Small Business Administration (SBA) Loans

First Harrison Bank is proud to be a SBA lender. SBA loans could potentially have more flexible terms that might suit your business needs. SBA loans give business owners the chance to obtain lending with far more options than a conventional business loan. SBA loans mean lower payments and better cash flow, as well as less money down and perhaps little or no collateral. Plus, they can be used by start-ups, medical practices, construction companies, and anything else you can imagine.

Let's look at two popular types of SBA loans:


  • Good for business acquisitions, buy outs, land, buildings, equipment, fixtures, inventory, and refinance of loans used for any of these things.
  • Maturity: 5-10 years for working capital and equipment, 25 years for real estate
  • Variable or fixed rate


  • Good for owner occupied commercial real estate, construction of owner occupied commercial real estate, acquiring major equipment or machinery.
  • Maturity: 10-25 year term
  • Fixed rate

If you think an SBA loan may help your new or existing business, please contact one of our Business Bankers.

Term Loans

A business term loan with First Harrison Bank can be the start of growth for your business. A term loan generally has a maturity of one year or longer. It is typically repaid in monthly payments.

Lines of Credit

If you’re in need of short term working capital, or you have a seasonal business, a line of credit could be for you. Lines of credit are renewable annually. Lines of credit may be attached to a checking account for overdraft protection and easy cash flow management.

Commercial Real Estate/Construction

If you are considering purchasing, or refinancing property of any kind related to your business, we have solutions just for you. We can also help you with your construction loan and permanent loan after you have built the next piece of your business.

Credit Cards

We have several credit card options available for personal or business customers. See our dedicated Credit Cards page for more information.

Items Needed for Most Business Loans:

Small Business Development Center (SBDC)

First Harrison Bank is a proud corporate sponsor of the SBDC. If you’re in need of business advice, the SBDC will work with you and your business at no cost. The SBDC can help with strategy, market research, business planning, export assistance, valuation, and more.


Annual Credit Report

We always want you to be mindful of your credit history, inquiries, and anything else on your credit report. Keeping an eye on your credit report is a great way to stop or prevent fraud or any other irregularities. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every week.

For more information on how to obtain your free credit report, visit Annual Credit Report.

We encourage you to learn more about us.

Corporate Profile

All loans subject to credit approval.

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