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Find the best SBA lenders, rates, loan types, and resources at SBARates.com your ultimate directory for Small Business Administration (SBA) loans. Compare current SBA loan rates, explore approved lenders, search by NAICS code, and discover funding options

First Federal Bank (FL)

First Federal Bank offers personalized banking in a branch or online; personal and business checking, savings, and loans including SBA, USDA and more

Change of Ownership
Fixed Rates
Loan Funds will Open Business
New Business or 2 years or less
Preferred Lenders Program
# Startup
# Variable Rates
SBA Loan Approval Count : 14
SBA Loans Total Approval Amount YTD: $7,319,500
Average SBA Loan Size: $522,821
Average SBA Loan Rate over Prime (this number plus current prime rate): 1.28
First Federal Bank (FL)

Unlock Your Financial Potential with First Federal Bank (FL)

First Federal Bank, headquartered in Lake City, Florida, is a nationally recognized SBA Preferred Lender that provides customized lending solutions to small businesses across the United States. With a strong focus on helping entrepreneurs access affordable capital, First Federal Bank combines community values with national SBA expertise to deliver fast, flexible, and relationship-driven financing.

Key Features of First Federal Bank

  • Comprehensive Business Banking: Business checking and savings accounts, merchant services, treasury management, and online tools that streamline business finances.
  • SBA Loan Expertise: As an SBA Preferred Lender, First Federal Bank offers the full suite of SBA 7(a), 504, and SBA Express programs — helping business owners access low-rate, government-backed loans for working capital, real estate, or equipment purchases.
  • Nationwide SBA Lending: Although based in Florida, First Federal Bank serves clients nationwide through its specialized SBA division, known for efficiency, speed, and personal service.
  • Industry-Specific Experience: The bank has proven expertise across multiple industries — including healthcare, manufacturing, hospitality, and professional services — providing tailored SBA financing for each sector.
  • Commitment to Community & Economic Growth: As a community-rooted institution, First Federal invests in small businesses, local job creation, and regional development initiatives that fuel long-term prosperity.

Why Choose First Federal Bank for SBA Loans?

First Federal Bank stands out as a top-tier SBA lender with the authority and experience to make in-house credit decisions — resulting in faster processing and flexible loan structures. Its dedicated SBA lending team guides borrowers through every step of the process, ensuring transparency and efficiency. Whether you’re purchasing a business, refinancing debt, or expanding operations, First Federal Bank delivers the capital and confidence you need to grow.

How to Get Started

Ready to grow your business with an SBA loan or other financing option? Visit the First Federal Bank SBA Lending page to explore available programs, review eligibility, and connect with an SBA lending expert.

Empower your financial future today with First Federal Bank — where Florida businesses grow stronger and smarter.

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