First Financial Federal Credit Union

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 Platinum 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!

Business VISA Platinum Credit Card

Enjoy the benefits with rates as low as 11.99% APR*, plus:

  • No Balance Transfer Fees!
  • Travel Accident Insurance
  • Emergency Replacement Card
  • Auto Rental Insurance
  • 24/7 Lost or Stolen Card Service
  • Zero Liability Protection
  • Secure Online Access
  • CURewards Program - earn 1 point for every dollar charged to redeem on business and travel merchandise!
  • VISA Savings Edge Program - get discounts on purchases from select merchants!
  • Business VISA Platinum Rates and Fees

Ready to apply for your Business VISA?

  • Call 732.312.1500, Option 4
  • Stop into any branch and pick up a Business Visa application
  • Turn your application in to 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. $30 Annual Fee. Other fees that apply: Cash Advance Fee of 1% of advance ($10 minimum and $50 maximum), Late Payment Fees: $15 if balance is less than $100; $25 if balance is between $100 and $249.99; $39 if balance is $250 or more, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and $30 Returned Payment Fee.