First Seacoast Bank

This is a trusted SBA lender offering small business loans, including the SBA 7(a) program, with personalized service and local expertise to help your business grow.

It is recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated based on availability.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, with appointments available outside these hours upon request.

There are no fees for visiting or consulting; however, loan application fees and other charges may apply depending on the services used.

This lender primarily serves small businesses within the local community and surrounding regions, with a focus on residents and local entrepreneurs.

A minimum personal credit score of 640 is generally preferred, but the overall financial profile will also be considered.

The underwriting process typically takes between 2 to 4 weeks, depending on the completeness of the application and supporting documentation.

Most banks keep weekday business hours and are closed on weekends, and First Seacoast Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call First Seacoast Bank to confirm current weekend availability before you go.

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

The core details for First Seacoast 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 Seacoast Bank before applying. If you represent First Seacoast Bank, claim this listing to keep its information up to date.

Contact First Seacoast Bank by phone at (603) 742-4680, email CSC@firstseacoastbank.com, or submit an inquiry through their online contact form. For SBA lending questions, confirm directly with the bank.

Based on its approved SBA loans, First Seacoast Bank most often finances businesses in manufacturing, automotive repair & services, general retail, medical practices & clinics, cleaning, landscaping & janitorial, and construction & contractors. This reflects First Seacoast 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 Seacoast 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 Seacoast Bank participates in SBA Express depends on its specific SBA lending authority. Contact First Seacoast 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 Seacoast 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 Seacoast Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask First Seacoast 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 Seacoast 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 Seacoast 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 Seacoast 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 Seacoast Bank weighs this case by case under its own policy, so be upfront about your history and ask First Seacoast Bank how it evaluates prior bankruptcies.