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Working Capital Line of Credit

Short-Term Capital, Long-Term Confidence.

For businesses facing seasonal cash flow gaps or unplanned expenses, waiting on receivables isn’t an option. Get fast, flexible access to funding—so you can keep operations moving forward.

Contact a Lender

Designed to Keep Businesses Moving

Short-term cash needs shouldn’t stop your long-term plans.

From seasonal sales dips to unexpected delays in receivables, small and mid-sized businesses face constant financial swings. Without the right support, those swings can disrupt operations, strain vendor relationships, or stall your growth plans.

You deserve a funding solution that adapts to your pace.

We Understand What’s at Stake

At First Financial, we don’t just offer credit. We offer clarity.

Since 1834, First Financial has provided trusted financial support to businesses across every market we serve.  With local underwriting, personal relationship management, and integration with Treasury Management tools, we deliver more than capital—we deliver confidence.

How It Works

A simple, recurring path to financial flexibility

Connect with a Lender

We'll understand your business and cash cycle.

Get a Customized Credit Line

Receive a revolving credit facility structured around your real-time needs.

Access Funds Anytime

Draw, repay, and reuse—seamlessly through Digital Banking or your Relationship Manager.

Without fast, flexible access to funds

  • You may miss vendor discounts or payroll deadlines.
  • You risk slowing momentum when new opportunities arise.
  • You expose your operations to cash flow vulnerabilities.

With a First Working Capital Line of Credit

  • Your cash flow stays steady—even during seasonal dips.
  • You can act fast on growth opportunities.
  • You maintain focus on running your business—not running after capital.

Built for Your Business

Whether you own a retail shop, service firm, farm, or manufacturing operation, having access to flexible funds can make all the difference.

Our working capital lines can help you:

  • Cover payroll during cash flow gaps
  • Stock up ahead of peak seasons
  • Manage receivables and payables
  • Act fast on new contracts or expansion

For small and mid-sized businesses, this isn’t just financing—it’s forward momentum with a partner you can count on.

Why Choose First?

  • Flexible, revolving access up to your approved limit
  • Competitive variable rates based on Prime + credit profile
  • Secured by business assets like receivables or inventory
  • Annual review to ensure alignment with business growth
  • Integrated with Treasury Management and Business Checking for ease

Strengthen Your Cash Flow Today

Get started with a working line of credit tailored to your business.

Subject to credit approval.