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First Financial Bank

Listed
Bank for business lines of credit and working capital loansCincinnati, OhioBased in Ohio; service area not yet provided
BBLL 000777Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

First Financial Bank’s BizFlex is an unsecured revolving line with a three-year draw period. Its detailed disclosures include a checking-account requirement, an annual fee and an early-payoff charge despite the headline about waived closing costs.

Bank. Lends to businesses from its own deposits.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Business lines of creditWorking capital loans
From the lender's own site and public records.

A second look at First Financial Bank

First Financial Bank’s BizFlex is an unsecured revolving line with a three-year draw period. Its detailed disclosures include a checking-account requirement, an annual fee and an early-payoff charge despite the headline about waived closing costs.

Direct bank lender, First Financial Bank at bankatfirst.com; not other banks using the same name.

Published by Levr, not by First Financial Bank. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

BizFlex Line of Credit

Amount and draw
$1,000–$100,000 in $1,000 increments; three-year draw period.
Eligibility
At least 24 months operating, no bankruptcy in five years, and no judgments, foreclosures or repossessions. The page states a 700 Beacon minimum for signers and a business-score criterion that should be confirmed with the bank.
Costs
$100 annual fee; $250 prepayment penalty if paid off within the first 12 months; document fee waived.
Banking
First Financial checking required; approved amount depends on deposit relationship length and transaction activity.

Provider sources: BizFlex disclosures · Business loans overview

When it may fit

Our assessment of the published programs

  • Established businesses seeking unsecured revolving credit and willing to keep an operating account at the bank.
  • Seasonal or home-based businesses that meet the disclosed underwriting criteria.

What to weigh carefully

  • No pledged collateral does not establish that personal guarantees are waived.
  • The three-year draw period needs a separate maturity and repayment review.
  • The annual fee and first-year payoff charge matter when comparing an apparently low-cost line.

Questions before you accept an offer

  1. What exactly is the business-score threshold and which owners are evaluated?
  2. What happens to an outstanding balance after the draw period?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

First Merchants Bank

Compare First Merchants smaller unsecured business lines.

Old National Bank

Compare Old National working-capital lines.

The lender

Type
Bank
Legal name
First Financial Bank
Founded
1863
Charter
Not yet provided Add it
Headquarters
Cincinnati, Ohio
Service area
Based in Ohio; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
bankatfirst.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

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