Small Business Loans

Grow your small business with the Eagle One for Business loan.1


Start funding your small business goals
at a 1.95% introductory fixed rate.2


The Eagle One for Business loan offers a unique blend of competitive rates, flexibility and service tailored to the needs of your small business. New clients can fund business expansions, office remodels, seasonal hiring and more with a low introductory fixed rate of 1.95% for the first six months followed by variable rates for a line of credit from 2.50%,3 and fixed rates for a term loan from 3.00%,4 with discounts.
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  • Use the Eagle One for Business loan to fund a variety of goals.

  • Medical and dental

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

    Access funds for a business expansion, seasonal hiring or a rainy day fund.
  • Accounting and more

    Finance goals for small businesses in a variety of industries.









Use this loan to fund seasonal hiring, modernize your office or purchase new equipment.

Key features

  • Take advantage of our 1.95% introductory fixed rate (for new clients).2

  • Find variable rates for a line of credit from 2.50%,3 and fixed rates for a term loan from 3.00%,4 with discounts.

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

  • Take advantage of waived origination fees.5

Financing options

  • Choose from flexible loan terms up to seven years.

  • Explore fixed- or variable-rate options that suit your needs.





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 a first priority 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. Applicants must open a First Republic checking account with automatic loan payment. Minimum opening balances will vary and a monthly fee may apply if the required minimum average balance is not maintained. If at any time during the life of the loan the borrower does not maintain auto-debit of loan payment, the interest rate may be increased by 3.00%. Fees and other terms and conditions apply. Applicant must meet a First Republic banker to open account. 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 Eagle One for Business completed application was submitted. After 6 months, the interest rate will automatically revert to the a) variable rate for a line of credit as described in footnote 3 or b) fixed rate for a term loan as described in footnote 4. Borrower’s interest rate will be identified in borrower’s loan agreement. Offer for the introductory rate is valid for applications submitted 01/01/2022–06/30/2022 and subject to change without notice. Ask your banker for details. 

3 Variable interest rates range between 2.50% and 5.50%, subject to the Prime Rate. Variable interest rate is current as of today’s date, subject to change daily and based on the Prime Rate, as published in The Wall Street Journal (3.50%). To qualify for the advertised rate, the Business and/or Guarantor(s) must maintain an average daily combined checking deposit amount at the Bank of at least 150% of the loan amount. Rates vary based on applicant’s deposit relationship with the Bank and may be increased to the Bank’s standard rate if the agreed upon deposit amount is not maintained for the life of the loan. Offer is subject to change without notice. Ask your banker for details.

4 Fixed interest rates range between 3.00% and 7.00%, subject to the Prime Rate. Fixed interest rate is current as of today’s date, subject to change daily and based on the Prime Rate, as published in The Wall Street Journal (3.50%). Term loan available up to 7 years. To qualify for the advertised rate, the Business and/or Guarantor(s) must maintain an average daily combined checking deposit amount at the Bank of at least 150% of the loan amount. Rates vary based on applicant’s deposit relationship with the Bank and may be increased to the Bank’s standard rate if the agreed upon deposit amount is not maintained for the life of the loan. Ask your banker for details.

5 Fee waiver effective 01/01/2022–06/30/2022 and is subject to change without notice. Terms and conditions apply. 

6 Applies to Business Analyzed Checking. Minimum opening deposit $5,000. A monthly service fee (currently $30) will apply. Non-interest-bearing checking account. Earnings credit rate (ECR) will determine your earnings allowance for the month. Earnings allowance may offset most fees based on balance maintained. Ask your banker for details, including how earnings allowance are calculated and applied to bank service fees. The ECR program is subject to change without notice. 

This product is not available in all markets. For a complete list of locations, visit firstrepublic.com/locations.

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