# First Bank (Missouri)

Facilities to thirty million, from two million.

A family-owned bank serving Missouri, Illinois and California whose sponsor finance group lends to buyout firms, mezzanine funds and other capital providers, structuring credit facilities up to $30 million for U.S.-based companies with more than $2 million of EBITDA and margins above 10%.

- Category: SBA & Acquisition Lenders
- Pricing model: Custom Pricing
- Where it fits: Diligence & Close the Deal
- Website: https://www.first.bank/Business/Borrow/Commercial-Lending/Sponsor-Finance

## At a Glance

A desk written for funds, so a [searcher](https://searchspheresource.com/glossary/searcher)'s approach comes through their investors, and it is one of the few here that says how large a facility it will write.

## What It Costs

Loan products; terms by term sheet. The page publishes the EBITDA floor, the margin test and the $30 million facility ceiling, and no rates (per first.bank, September 2026).

## Best For

A buyer with a [committed capital](https://searchspheresource.com/glossary/committed-capital) provider behind them and a company past two million of [EBITDA](https://searchspheresource.com/glossary/ebitda) who wants a bank that publishes its facility ceiling

## Pros and Cons

- Pro: A published facility ceiling of $30 million
- Pro: Lends to U.S.-based companies rather than a home region, by its own page
- Pro: Names the products inside a facility, revolving lines, term loans, [capex](https://searchspheresource.com/glossary/capex) loans and real estate
- Pro: A single point of contact through the life of the investment, by its own page
- Pro: An SBA [Preferred Lender](https://searchspheresource.com/glossary/preferred-lender-program) whose [7(a)](https://searchspheresource.com/glossary/sba-7a) page publishes a floor, $50,000, and a ceiling of $5 million
- Con: Addresses [private equity](https://searchspheresource.com/glossary/private-equity) firms and capital providers and names no [independent sponsor](https://searchspheresource.com/glossary/independent-sponsor), family office or [search fund](https://searchspheresource.com/glossary/search-fund)
- Con: Requires an EBITDA margin above 10%, a test the other desks do not publish

## What Searchers Say

The bank describes itself as family-owned for over a hundred years and describes Small Business Investment Company investment relationships. No searcher-forum discussion of the desk was found.

## Sources

- https://www.first.bank/Business/Borrow/Commercial-Lending/Sponsor-Finance
- https://www.first.bank/About-Us

Also on this site: https://searchspheresource.com/resources/category/lender.md
Source: https://searchspheresource.com/resources/first-bank
Last checked: 2026-09-18

Site index for machines: https://searchspheresource.com/llms.txt