Helping Local Businesses Thrive

We know that saying yes to loans for local small businesses means saying yes to our community! That’s why we offer Small Business Administration (SBA) loans for small businesses, with local decision-making and personal service.


SBA Loan Benefits

Give your business a boost.

Local Decisions

Flexible Loan Options

Funds for Growth

Most For-Profit Businesses Are Eligible

First Commerce SBA Loan Options

SBA 7(a) Loans

SBA 7(a) Loans are available to help you start, acquire, or expand your small business.

  • Features/benefits
    • Flexible in loan structure
    • Loans can be used for a variety of purposes
    • Broad eligibility requirements and credit criteria
    • Most for-profit businesses are eligible

SBA 504 Loans

SBA 504 Loans are available to fund major fixed assets (like real estate and equipment) to help small businesses grow.

  • Features/benefits
    • Long-term, fixed- rate, subordinate mortgage financing
    • Can be used for acquisition and/or renovation of capital assets including land, buildings, and equipment
    • Some refinancing is permitted
    • Most for-profit businesses are eligible

SBA 7(a) Loans

SBA 7(a) Loans are available to help you start, acquire, or expand your small business.

  • Features/benefits
    • Flexible in loan structure
    • Loans can be used for a variety of purposes
    • Broad eligibility requirements and credit criteria
    • Most for-profit businesses are eligible

SBA 504 Loans

SBA 504 Loans are available to fund major fixed assets (like real estate and equipment) to help small businesses grow.

  • Features/benefits
    • Long-term, fixed- rate, subordinate mortgage financing
    • Can be used for acquisition and/or renovation of capital assets including land, buildings, and equipment
    • Some refinancing is permitted
    • Most for-profit businesses are eligible
Member Testimonial

Member Testimonial

“I have been a member of First Commerce for over 40 years and have found them to be dependable for handling my family member’s finances. They pay special attention to members by remembering our names and coming to our aid.”

Open an Account

To apply or discuss your business borrowing needs, please contact our Business Services Team, schedule an appointment, or visit one of our locations.

Business Solutions

Business Checking Accounts

Business Checking Accounts

First Commerce offers checking account options for businesses and organizations of all sizes.

Business Credit Cards

Business Credit Cards

Get the purchasing power to move your business forward with a business credit card.

Business Real Estate Loans

Business Real Estate Loans

We offer real estate loans with fast, local service, whether you’re buying, building, expanding, refinancing, or renovating.

Business Checking Accounts

Business Checking Accounts

First Commerce offers checking account options for businesses and organizations of all sizes.

Business Credit Cards

Business Credit Cards

Get the purchasing power to move your business forward with a business credit card.

Business Real Estate Loans

Business Real Estate Loans

We offer real estate loans with fast, local service, whether you’re buying, building, expanding, refinancing, or renovating.

Your Financial Partner for Life

Established in 1940, First Commerce is a full-service, not-for-profit credit union with locations across North Florida and South Georgia. We are a member-owned cooperative and committed to the communities we serve. Our purpose is to empower people to enhance their financial well-being by helping them achieve their financial goals – whether it’s offering competitive loans to help you build your business, cash management services so you can focus on your customers, or best-in-class digital banking solutions to help you manage cash flow when it’s convenient for you. When you bank with First Commerce, you get a truly personal experience backed by 80 years of financial expertise.

Your Financial Partner for Life