First Horizon Bank

This is a financial institution offering SBA loan programs designed to help small and medium-sized businesses access capital for growth and operations. You can find information about loan options, application processes, and support services tailored to your business needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-in consultations may be available during business hours. Contact the branch in advance for specific guidance.

First Horizon Bank operates Monday through Friday from 9:00 AM to 5:00 PM. Please confirm current hours directly with your local branch, as hours may vary by location.

There are no fees for accessing general information; however, specific loan processing or application fees may apply during the lending process.

This service is open to eligible businesses across the nation that meet the SBA program requirements, regardless of residency or membership status.

A minimum personal credit score of around 640 is generally preferred, though higher scores improve approval chances.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

First Horizon Bank is closed on weekends. SBA lending staff are available Monday through Friday during regular business hours. Please confirm directly with the bank for any weekend exceptions.

First Horizon Bank is located in Tennessee — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for First Horizon Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by First Horizon Bank itself, which runs its own lending under its own ownership. If you work at First Horizon Bank, you can claim this listing from this page to manage it.

The core details for First Horizon Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with First Horizon Bank before applying. If you represent First Horizon Bank, claim this listing to keep its information up to date.

First Horizon Bank can be reached by phone at (901) 523-4665 or through their online contact form at firsthorizon.com/Personal/Support/Contact-Us. For SBA loans, ask for the business lending department. Please confirm contact details directly with the bank.

Based on its approved SBA loans, First Horizon Bank most often finances businesses in restaurants & food service, construction & contractors, manufacturing, general retail, medical practices & clinics, and wholesale & distribution. This reflects First Horizon Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with First Horizon Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether First Horizon Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Horizon Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. First Horizon Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. First Horizon Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Horizon Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask First Horizon Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask First Horizon Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with First Horizon Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. First Horizon Bank weighs this case by case under its own policy, so be upfront about your history and ask First Horizon Bank how it evaluates prior bankruptcies.