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BreadRoute Review
Southern First Bank
Our Southern First Bank Review
Southern First Bank is a community commercial bank headquartered in Greenville, SC, serving businesses across a Southeast and mid-Atlantic footprint that includes Atlanta, Charlotte, Charleston, Columbia, Greensboro, Raleigh, and Summerville. The bank leads with relationship-based banking — meaning you get a dedicated banker team rather than a call center. For business borrowers, the product shelf covers lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. Eligibility criteria aren't published, so a direct conversation with a banker is the right first step. A good fit if you're operating in one of its served markets and want a named point of contact who knows your business.
Who Is Southern First Bank Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- Businesses that need equipment or machinery financing
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
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Other Commercial Bank lenders
Southern First Bank Pros & Cons
Pros
- No minimum credit score requirement
- Wide range of financing products
Frequently Asked Questions
Southern First Bank does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Southern First Bank offers the following financing products: Equipment Finance, Construction Finance, Commercial Real Estate Financing, Line of Credit, Term Loan.
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