Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Bank Five Nine (formerly First Bank) SBA loans review

This SBA Preferred Lender offers a variety of programs, but you can't apply online.

Bottom line. Bank Five Nine serves business in all 50 states. But branches are only located in Wisconsin — and there’s no easy way to apply online. Get our 30-second take or read the full review.

No reviews yet. Write a review


Max. Amount$5,000,000
Loan Term84 to 300 months
RequirementsMeet standard SBA loan requirements

Our take on Bank Five Nine business loans

Bank Five Nine — formerly First Bank Financial Centre — is a Small Business Administration (SBA) Preferred Lender and one of the top 100 SBA lenders based on its loan volume. Because of this, it's able to finance your loan faster than other lenders out there. It offers a wide variety of SBA loans, including the popular SBA 7(a), Express and Working Capital CAPLines programs. And unlike many lenders, its loans are available to businesses in all 50 states.

But there's no online application and like many banks, Bank Five Nine's doesn't disclose rates and fees online. To learn more about its SBA offerings you need to get in touch with one of its representatives.

It's also not ideal if you live outside of Wisconsin and prefer in-person customer support — it doesn't have branches in any other states.

Not sure Bank Five Nine is right for you? Compare other options below.


  • SBA Preferred Lender means it’s faster than other lenders
  • Participates in five SBA programs
  • Available in all 50 states
  • Other types of business loans available


  • Very little information available online
  • No online application
  • Only has branches in Wisconsin

When did First Bank Financial Centre change its name to Bank Five Nine?

In 2020, First Bank Financial Centre rebranded itself to Bank Five Nine. According to its website, this change is meant to reflect its unique structure and options. But as for its lending options, nothing has changed.

Bank Five Nine rates, fees and terms

Like most banks, Bank Five Nine doesn't publish rates and fees for its business loans. The SBA sets caps on rates and fees for government-backed loans — but not traditional business loans.

Reach out to a Bank Five Nine representative with specific details about your business and funding needs to learn about potential rates and the fees your business can expect to pay.

Compare other business loan options

Unlike Bank Five Nine, these lenders all offer online applications. You can get started by comparing lenders' loan amounts, APR and minimum requirements.

1 – 4 of 4

Name Product Filter Values Loan amount APR Requirements

Lendio business loans
Finder Rating: 4.75 / 5: ★★★★★

Lendio business loans
$500 – $5,000,000
Starting at 6%
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.

Biz2Credit business loans
Finder Rating: 4.7 / 5: ★★★★★

Biz2Credit business loans
$25,000 – $6,000,000
Starting at 6.50%
6+ months in business; $100,000+ annual revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.

ROK Financial business loans
Finder Rating: 4.7 / 5: ★★★★★

ROK Financial business loans
$10,000 – $5,000,000
Starting at 6%
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

Fundbox lines of credit
Finder Rating: 4.2 / 5: ★★★★★

Fundbox lines of credit
$1,000 – $150,000
Not stated
6 + months in business, $100,000+ in annual revenue, 600+ credit score
Get flat rate, short-term financing based on the financial health of your business, not your credit score.

Compare up to 4 providers

What other business loans down Bank Five Nine offer?

On top of SBA loans and traditional business loans, Bank Five Nine also offers:

  • Business lines of credit. Short-term working capital available with one-year terms and interest-only payment options.
  • Commercial real estate loans. Finance a warehouse, multifamily property, industrial building and more with a fixed- or floating-rate commercial real estate loan.
  • Standby letters of credit. Used in place of bid and warranty bonds, Bank Five Nine may be willing to give you a standby letter of credit that guarantees payment or performance.
  • Business credit cards. A good choice if your business doesn't need a line of credit but could still use flexible financing.

Bank Five Nine reviews and complaints

BBB accredited No
BBB rating A+
BBB customer reviews 1 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of 18 November 2021

There isn't much out there about Bank Five Nine. It doesn't have a Trustpilot page, and its Better Business Bureau (BBB) page only has one review from 2019. You may be able to find reviews of a specific branch on Yelp, but otherwise, you won't know how it treats its borrowers until you reach out to customer service.

How to qualify

Bank Five Nine doesn’t list eligibility criteria on its website. Instead, it judges businesses on a case-by-case basis. However, you’ll still need to meet standard SBA loan requirements at a minimum.

How the application works

Bank Five Nine doesn’t have an online application. To set up an appointment with one of its commercial lenders, visit its website and go to the Business Lending page. From here, you can contact a commercial lender directly or filter lenders by county.

What documents do I need to apply?

Bank Five Nine doesn’t list any documents you’ll need to apply. You’ll need to ask your Bank Five Nine SBA specialist when you call or email them to start the process.

How do repayments work?

Your repayment schedule will be based on the type of SBA loan you borrow, though most come with monthly repayments over a fixed number of years. Fees will also vary depending on the type of loan you opt for, so review your loan agreement or talk to your Bank Five Nine lending specialist for more information.

What sets it apart

Bank Five Nine stands out thanks to its status as an SBA Preferred Lender. This means it’s able to underwrite, process and issue SBA loans itself.

Because of this, it has a faster turnaround time than non-preferred lenders. On top of this, it offers a variety of SBA loans, including the SBA 7(a), Express and 504 programs.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site