Borrow 150K. 10 Year Term. Prime + 2.75%. No Personal Collateral Required

Starting your business doesn’t require using your retirement savings or collateralizing your home.

“After getting the run around from 3 local banks I decided to give First Financial a try they were very responsive and made the entire process clear and simple.”
-Kevin Ronald, New Franchisee

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Working Capital

cash in the full amount is deposited into your business bank account

10 Year Term

low monthly payments and no prepayment penalty gives you flexibility to build your business


No personal assets are at risk, unsecured business loans use only business assets as collateral

Simple Interest

Prime +2.75% , simple interest


Your team did a great job at helping me get funded for the Mr. Appliance franchise. Even though the holidays threw my timeline off a little bit, Eddy did a great job at keeping the ball rolling. You and I talked for the first time on November 3, 2016 and the money was in the bank this week, Monday January 30, 2017. In less than 3 months from our initial contact you helped me start my dream.

I have referred your team to several people and hope they choose this route to help them grow their businesses.

Thank You! and have a blessed week,

Stewart Jefcoat

Mr. Appliance of Oconee

First Financial – Cindy Watson and her team are exceptional at lending. I had attempted to use a local lender and unfortunately, after months of meetings and paperwork, it became evident that my local lender was not adequately versed in the SBA program I was interested in. A business mentor recommended that I reach out to First Financial. Karen and her team were able to guide me through the process. With their expertise, I closed my SBA loan and can now move forward. I highly recommend them.

Kris Brower


Good evening. I wanted to thank you so much for guiding me through the SBA Loan process. Your help, advice, and encouragement helped draw the process to a very successful conclusion.

I now am a new and growing Master Franchisee with the System4 brand. Providing Facility Services Management to my clients throughout the East Tennessee Valley.

It certainly is a daunting task setting up ones own business and securing the lending required to be successful. Your knowledge of the SBA process and financial instruments available made all the difference in my own confidence level. Thank you again for all your help and the hard work of your entire office team.

System4 of East Tennessee