Lending

City First customers are housing developers and investors, small businesses. and nonprofits, including social service providers, faith-based organizations, health care centers, and charter schools. Typical business loans range up to $11 million.

With none of the hassles and bureaucratic service typical of large banks, meeting your financial needs fits our comfort zone. And as a community bank, we pride ourselves on being responsive and flexible while offering a dedicated lending Relationship Manager who will take the time to understand your business and its complex needs.

By offering a variety of lending options and solutions, City First helps promote the health and vitality of our communities by providing the capital needed by local companies.

City First Bank offers:

• Lines of credit to finance an array of business necessities, including cash flow needs, receivables financing, and general operating expenses.
• Term Loans for a specific period to purchase vehicles, equipment, or supplies; finance leasehold improvements; or provide working capital for business expansion and growth.
• Commercial real estate loans to build, acquire, renovate, expand, or permanently finance retail and commercial operations, affordable housing and multi-family rental properties.
• Small Business Administration (SBA) Financing to help small businesses get access to reasonable financing, including longer-term loans and federal guarantees through the SBA.
• Standby letters of credit to support government or other contracting requirements.