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First Horizon Bank

Listed
Bank for equipment financing and term loansMemphis, TennesseeBased in Tennessee; service area not yet provided
BBLL 000747Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

First Horizon’s BizEssentials term loan has separate secured and unsecured amount limits. Its SBA process includes an underwriting decision followed by a distinct closing stage.

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

Equipment financingTerm loansWorking capital loans
From the lender's own site and public records.

A second look at First Horizon Bank

First Horizon’s BizEssentials term loan has separate secured and unsecured amount limits. Its SBA process includes an underwriting decision followed by a distinct closing stage.

Direct lender through First Horizon Bank.

Published by Levr, not by First Horizon 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.

BizEssentials Business Term Loan

Amounts
Secured $25,000–$3 million; unsecured $25,000–$500,000.
Term and rate
Fixed or variable interest with terms up to 84 months, depending on collateral.
Collateral
Examples include industrial or office equipment, vehicles and certificates of deposit. Credit approval determines terms.

Provider sources: BizEssentials term loan

SBA financing

Uses
Acquisitions, partner buyouts, working capital, equipment, property and business expansion are listed.
Timing
After a complete file, FAQ estimates 1–2 weeks for underwriting, followed by approximately 20–25 business days of closing after a signed commitment.
Assessment
Bank evaluates cash flow and documented addbacks; credit history is considered beyond the numerical score alone.

Provider sources: SBA process FAQ

When it may fit

Our assessment of the published programs

  • Useful for a borrower comparing unsecured equipment financing with a larger secured loan, or evaluating a realistic SBA closing timeline.

What to weigh carefully

  • The maximum 84-month term is conditional on collateral.
  • Older FAQ statements on aggregate SBA caps, collateral and fees need current program confirmation; do not apply them universally.
  • Unsecured financing does not establish that no owner guarantee is required.

Questions before you accept an offer

  1. What rate, fee and amortization match the offered collateral?
  2. What remains outstanding after a commitment letter?
  3. Which current SBA fee and prepayment rules apply to this specific loan?

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.

Truist

Compare Truist term loans and SBA lending.

Regions Bank

Compare Regions secured borrowing and government-supported programs.

The lender

Type
Bank
Legal name
First Horizon Bank
Founded
1864
Charter
Not yet provided Add it
Headquarters
Memphis, Tennessee
Service area
Based in Tennessee; 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
firsthorizon.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

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