First Financial Federal Credit Union

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Business Loans

Business Loans

Looking to build or expand your business?
Click here to get started.

Not a "One-Size-Fits-All" Loan. 

We understand that not every business is the same and, therefore, not every loan need can be the same.  This is exactly why we look at each individual business and create a customized lending solution to meet your specific needs.

Local Decisions by Local Lenders. 

What does this mean for you?  Your loan decision will be made by our lenders here in Monmouth or Ocean County (not a loan center located in another state!) We work directly with you in developing a complete understanding of you- the owner, and your business when reviewing both your loan needs and your loan application.

Reasonable Timelines. 

We pride ourselves in making decisions in a timely manner keeping your business in mind. 

Personalized Service. 

You're not a number when you come to First Financial.  You're a valued member and we give our members the best service possible.

Types of Loans Available:

  • Commercial Real Estate Loans
  • Commercial Vehicle Loans
  • Equipment Loans
  • Business Line of Credit
  • Business Visa Cash Plus Credit Card
  • SBA Loan Programs available
  • Maybe we didn't list what you need, but that doesn't mean we can't help you - just ask us!

Paycheck Protection Program (PPP) Loans

Was your Monmouth or Ocean County small business affected by COVID-19? We're here to help! We are now accepting applications for First or Second Draw PPP Loans until 5/31/21 (or until otherwise announced by the SBA).**

PPP Loans are available to help fund payroll costs (including benefits), mortgage interest, rent, utilities, employee protection costs due to COVID-19, and other related operational expenses. More information about business eligibility can be found on the SBA's website here

  • Have questions or want to learn more about how you can apply for a PPP Loan? Email or call 732.312.1500 during business hours and ask for the Business Development Department.

Visa Business Cash Plus Credit Card

Enjoy the benefits with rates as low as 16.9% APR*, plus: 

  • No Annual Fee
  • Travel Accident Insurance
  • Emergency Replacement Card
  • Auto Rental Insurance
  • 24/7 Lost or Stolen Card Service
  • Zero Liability Protection
  • Secure Online Access
  • UChoose Rewards - earn 1.5% cash back on purchases, or redeem your rewards on business and travel merchandise, merchant gift cards, and more!
  • Visa Business Cash Plus Rates and Fees

Ready to apply for your Business Visa Cash Plus Card?

  • Call 732.312.1500, Option 4
  • Stop by any branch and pick up a Business Visa application
  • Turn your application in at any branch, fax it to 732.312.1530, or mail it to First Financial's Loan Department at PO Box 1172, Toms River NJ 08754.

Email us at and we'll be happy to provide you with more information on business loans.

*This APR is for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. Rates quoted assume excellent borrower credit history. Your actual APR may vary based on your state of residence, approved loan amount, applicable discounts and your credit history. No Annual Fees. Other fees that apply: Balance Transfer and Cash Advance Fees of 3% or $10, whichever is greater; Late Payment Fee of $35, $10 Card Replacement Fee, and Returned Payment Fee of $35. A First Financial membership is required to obtain a Visa Business Credit Card and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties.

**Membership is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. See credit union for details. Federally insured by NCUA. Information on the PPP loans is based on currently available information and is subject to change. Borrowers may wish to visit the SBA and U.S. Treasury Assistance for Small Businesses for guidance related to the Paycheck Protection Program.