InFirst Bank

This is a local commercial bank that provides SBA loan services, including the SBA 7(a) program, to help small businesses access funding for growth, real estate, and equipment needs.

It is recommended to schedule an appointment with their SBA lending team to ensure personalized assistance, but walk-ins may be accommodated during business hours.

The bank operates Monday through Friday from 9:00 AM to 5:00 PM, but it's best to call ahead for specific appointment times.

There are no fees to visit the bank; however, loan application and processing fees may apply depending on the loan terms.

This bank primarily serves local small businesses in Indiana, PA, but can work with clients from surrounding areas depending on the loan program.

A minimum personal credit score of around 640 is generally preferred, but approval depends on the overall financial profile.

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

Most banks keep weekday business hours and are closed on weekends, and InFirst 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 InFirst Bank to confirm current weekend availability before you go.

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

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

You can reach InFirst Bank by phone at (800) 349-2814 or online at infirstbank.bank — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with InFirst Bank before relying on them.

Based on its approved SBA loans, InFirst Bank most often finances businesses in restaurants & food service, construction & contractors, real estate & property management, fitness & recreation, and general retail. This reflects InFirst 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 InFirst 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 InFirst Bank participates in SBA Express depends on its specific SBA lending authority. Contact InFirst 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. InFirst 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. InFirst Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask InFirst 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 InFirst 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 InFirst 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 InFirst 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. InFirst Bank weighs this case by case under its own policy, so be upfront about your history and ask InFirst Bank how it evaluates prior bankruptcies.