Small Business Loan

Small Business Loan

Grow your small business
with First Republic Bank.

Learn more

Small Business Loan

Grow your small business with
First Republic Bank.

Learn more

Small Business Loan

Grow your small business with
First Republic Bank.

Learn more

Enjoy flexibility and service tailored to your goals with the First Republic Small Business Loan.1



  • Short-term working capital
    for new initiatives

  • Purchase of essential equipment
    and supplies

  • Expansions and additions
    to your business


Learn more

Enjoy flexibility and service tailored to your goals with the First Republic Small Business Loan.1


  • Short-term working capital for new initiatives

  • Purchase of essential equipment and supplies

  • Expansions and additions to your business


Learn more

Use the Small Business Loan to fund a variety of goals.



  • medical icon

    Medical and Dental

    Remodel your office or finance medical and dental equipment to expand your practice.

  • legal icon

    Legal

    Access funds for a business expansion, seasonal expenses or managing expenses.

  • accounting icon

    Accounting

    Grow your firm and finance business expenses.

  • pen

    Professional Services and More

    Finance goals for your profitable small business.


Learn more

Use the Small Business Loan to fund a variety of goals.


  • medical icon

    Medical and Dental

    Remodel your office or finance medical and dental equipment to expand your practice.

  • legal icon

    Legal

    Access funds for a business expansion, seasonal expenses or managing expenses.

  • accounting icon

    Accounting

    Grow your firm and finance business expenses.

  • pen

    Professional Services and More

    Finance goals for your profitable small business.


Learn more

Flexible financing options


For new clients, fund your small business goals at an introductory fixed rate of 1.95% for the first six months.2 Followed by variable rates from 5.00% or fixed rates from 5.50%, with discounts.


  • revolving access to credit

    Term Loans

    We offer term loans with fixed rates from 5.50%, with discounts.3
  • financing flexibility

    Revolving Line of Credit

    We offer a revolving line of credit with variable rates from 5.00%, with discounts.4

  • waived origination fees

    Non-revolving Line of Credit

    Get access to a non-revolving line of credit with fixed rates from 5.50%, with discounts. Pay interest only on what you draw during the first 12 months and repay the fully amortizing loan for the remainder of the term.5
Learn more

Flexible financing options


For new clients, fund your small business goals at an introductory fixed rate of 1.95% for the first six months.2 Followed by variable rates from 5.00% or fixed rates from 5.50%, with discounts.

  • revolving access to credit

    Term Loans

    We offers term loans with fixed rates from 5.50%, with discounts.3
  • financing flexibility

    Revolving Line of Credit

    We offer a revolving line of credit with variable rates from 5.00%, with discounts.4

  • waived origination fees

    Non-revolving Line of Credit

    Get access to a non-revolving line of credit with fixed rates from 5.50%, with discounts. Pay interest only on what you draw during the first 12 months and repay the fully amortizing loan for the remainder of the term.5
Learn more

Experience the First Republic difference.


  • revolving access to credit

    Variety of loan amounts

    Secure loan amounts from $25,000 to $750,000.
  • financing flexibility

    Financing flexibility

    Choose from flexible loan terms up to seven years.
  • credit rate

    Competitive earnings credit rate

    Our competitive earnings credit rate of 2.05% on your Business Analyzed Checking account may offset banking fees, including monthly service fees.6, 7

  • waived origination fees

    Waived origination fees

    Save on lending costs such as origination, application, underwriting, maintenance and prepayment fees, valid through December 31, 2022.8
  • dedicated banker

    A dedicated banker

    Work with a dedicated banker who you can contact directly by phone or email.
  • complimentary service

    Complimentary service

    Get a complimentary Internet Security Health Check to help protect your entire organization’s data.
Learn more

Experience the First Republic difference.

  • revolving access to credit

    Variety of loan amounts

    Secure loan amounts from $25,000 to $750,000.
  • financing flexibility

    Financing flexibility

    Choose from flexible loan terms up to seven years.
  • credit rate

    Competitive earnings credit rate

    Our competitive earnings credit rate of 2.05% on your Business Analyzed Checking account may offset banking fees, including monthly service fees.6, 7

  • waived origination fees

    Waived origination fees

    Save on lending costs such as origination, application, underwriting, maintenance and prepayment fees, valid through December 31, 2022.8
  • dedicated banker

    A dedicated banker

    Work with a dedicated banker who you can contact directly by phone or email.
  • complimentary service

    Complimentary service

    Get a complimentary Internet Security Health Check to help protect your entire organization’s data.
Learn more
1 This is not a loan approval or commitment to lend. Loans are subject to First Republic Bank’s underwriting standards and verification of documents provided. You will be required to provide security interest in the borrower’s assets. This loan is on demand, which means you will be required to repay the loan in full if a demand is made at any time, for any reason. The proceeds of the loan cannot be used for personal, family or household purposes, or to purchase or carry margin stock. Applicants should discuss loan terms, conditions and account details with their Relationship Manager. Applicant must meet with a First Republic banker to open a required checking account. Minimum opening balances will vary, and a monthly fee may apply if the required minimum average balance is not maintained. Fees and other terms and conditions apply. This product is not available in all markets. For a complete list of locations, visit firstrepublic.com/locations.

2 To qualify for the 6-month introductory rate of 1.95%, borrower must be a new First Republic Bank business account client, which is defined as an entity or sole proprietorship that does not have an existing First Republic Bank (“Bank”) deposit account that was opened more than 90 days before the Small Business Loan completed application was submitted. After 6 months, the interest rate will automatically revert to the a) variable rate for a revolving line of credit as described in footnote 4, b) fixed rate for a term loan as described in footnote 3, or c) fixed rate for a non-revolving line of credit as describes in footnote 5. Borrower’s interest rate will be identified in borrower’s loan agreement. Offer for the introductory rate is valid for completed applications submitted 01/01/2022–12/31/2022 and subject to change without notice. Ask your banker for details.

3 The term loan consists of fixed interest rates range between 5.50% and 10.50%. Fixed interest rate is current as of 11/02/2022, subject to change daily and based on the Prime Rate, as published in The Wall Street Journal (7.00%). Term loan available up to 7 years. Rates shown include relationship-based pricing discount of: a) 3.00% for maintaining auto debit of loan payment from account, and b) 1.50% for maintaining an average daily combined balance of 150% of the loan amount or greater, in First Republic business and/or consumer checking accounts held by the Business and Guarantor(s). If the above criteria for relationship-based pricing is not maintained for the life of the loan the rate will increase accordingly. Rates will vary based on applicant’s deposit relationship with the Bank. Ask your banker for details.

4 The revolving line of credit consists of variable interest rates range between 5.00% and 9.00%. Variable interest rate is current as of 11/02/2022, subject to change daily and based on the Prime Rate, as published in The Wall Street Journal (7.00% ). Rates shown include relationship-based pricing discount of: a) 3.00% for maintaining auto debit of loan payment from account, and b) 2.00% for maintaining an average daily combined balance of 150% of the loan amount or greater, in First Republic business and/or consumer checking accounts held by the Business and Guarantor(s). If the above criteria for relationship-based pricing is not maintained for the life of the loan, the rate will increase accordingly. Rates will vary based on applicant’s deposit relationship with the Bank. Ask your banker for details.

5 The non-revolving line of credit consists of a one-year non-revolving draw period during which borrowers make interest only payments, followed by a fully amortizing repayment period for the remainder of the term. Amounts repaid cannot be redrawn and draws are not permitted once the repayment period begins. Terms available up to 7 years. The non-revolving line of credit consists of fixed interest rates range between 5.00% and 10.50%. Fixed interest rate is current as of 11/02/2022, subject to change daily and based on the Prime Rate, as published in The Wall Street Journal (7.00%). Rates shown include relationship-based pricing discount of: a) 3.00% for maintaining auto debit of loan payment from account, and b) 1.50% for maintaining an average daily combined balance of 150% of the loan amount or greater, in First Republic business and/or consumer checking accounts held by the Business and Guarantor(s). If the above criteria for relationship-based pricing is not maintained for the life of the loan the rate will increase accordingly. Rates will vary based on applicant’s deposit relationship with the Bank. Ask your banker for details.

6 Minimum opening deposit $5,000. A monthly service fee (currently $30) will apply. Earnings allowance may offset most fees based on balance maintained. Non-interest-bearing checking account.

7 Earnings credit rate will determine your earnings allowance for the month. Ask your banker for details, including how earnings allowances are calculated and applied to bank service fees. The earnings credit rate and program are subject to change without notice.

8 Origination fee waiver valid for completed applications submitted 01/01/2022–12/31/2022 and is subject to change without notice. Terms and conditions apply.

9 For more information on the data provided, please refer to the Bank's Investor Presentation filed on 04/13/2022.

10 Source: SATMETRIX NPS. Over 50% of First Republic clients self-designate First Republic as their “Lead Bank.”

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Firstrepublic.com provides information to clients about their accounts and financial services by First Republic Bank and its affiliates.

Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender

Investment Advisory services are provided by First Republic Investment Management, Inc. Trust and Fiduciary services are offered through First Republic Trust Company, a division of First Republic Bank; and First Republic Trust Company of Delaware LLC and First Republic Trust Company of Wyoming LLC, both wholly owned subsidiaries of First Republic Bank. Brokerage services are offered through First Republic Securities Company, LLC, Member FINRA/SIPC. Insurance services are provided through First Republic Securities Company, DBA Grand Eagle Insurance Services, LLC, CA Insurance License # 0I13184.

Investment, Insurance and Advisory Products and Services, and Foreign Exchange Transactions, are Not FDIC Insured or Insured by Any Federal Government Agency, Not a Deposit, Not Bank Guaranteed and May Lose Value.