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We serve small and middle market businesses and large corporations with a range of loan and financing options.
First Capital Business Finance
Welcome to First Capital Business Finance, an expert in heavy equipment financing and other commercial financing. Business owners and aspiring startup owners can rely on us to provide the funding needed to obtain heavy equipment, machinery, and trucks to perform vital tasks. We’d love to chat with you if you’re looking for business financing options.
One of our areas of expertise is commercial truck financing. We work with trucking company owners to provide nontraditional commercial truck financing options that work in nearly any situation. If you’re looking to purchase heavy equipment for your business, we have financing programs available. We specialize in financing for equipment used in many industries, including plumbing, restaurants, hospitality, construction, forestry, health care, janitorial services, and other niche areas.
First Capital Business Finance
Our Services
Your credit isn’t the only factor into whether you can qualify for a loan for your business. We can work with individuals with bad credit and no credit to provide secured loans. The heavy equipment you purchase with the funds serves as collateral on the loan.
Instead of a one-size-fits-all, small-business loan program, we have various financing programs for many company types. We have the right plan for you, from owner-operators and tech startups to midsize construction.
Our requirements for borrowers:
When other lenders say no, First Capital Business Financing says yes.
As a full-service commercial lending company based out of California, we’re available to serve clients located throughout the nation. Our primary focus is on the cash flow of each client’s business, and we’ll help you get what you need to start, grow, and succeed.
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Service Locations
We offer financing options throughout the United States. So, no matter where you’re located we can likely help you with your heavy equipment and other commercial financing needs. Below are a list of the major areas we service.
Don’t see your city on the list? Reach out and we’ll see if we can still assist you.
If you’ve been in the construction industry for any amount of time, you know the struggle of finding construction equipment financing. Construction equipment is not cheap, which makes it important to find the right finance business to provide you with help. We understand how difficult it is to find the right company to finance your construction equipment. That’s why First Capital Business Finance provides the help you need to get to you going with your construction.
FAQs
There are several ways you can apply:
Yes! We have a wide variety of programs that are specifically for startups!
Depending on the type of equipment, and dollar amount, transactions can fund in as little as 24 hours. Again, this will depend if you and the equipment qualifies.
Yes, we do offer financing for used equipment. Keep in mind there are different guidelines for all programs and it’ll also depend on if the seller of the equipment is a dealer or private party.
Typical turn-around times are 24 hours, or sometimes even quicker than that!
In very rare cases, it may take longer due to the time of the year and volume of applications we are working on.
We offer a wide variety of financing programs for business owners.
The most popular is our equipment financing programs: Equipment Leasing & Equipment Finance Agreements.
We also offer Factoring (also known as “accounts receivable financing”) and working capital loans.
The majority of our programs are called “Application Only,” and that means no proof of income is necessary. Depending on the credit, time in business, type of equipment, industry, and the amount you’re seeking to finance we may need to see income. Proof of income can be as simple as your last three months’ bank statements.
One of the greatest advantages with leasing equipment, is the ability to obtain the necessary equipment with little to no money down.
It allows the business owner to preserve their cash, and to obtain new or used equipment by making monthly payments anywhere from 12 to 72 months.
Yes!
We have a wide variety of programs that is suited for business owners who have challenging credit. Like any other program, there are guidelines and there are too many variables to go into it here. The best is to have a conversation with one of our advisors to see what you may qualify for.
If the equipment is essential for your business, we can finance it!
For example, if you own a medical practice, we wouldn’t be able to finance a bulldozer for that type of business. But we can finance commercial vehicles, restaurant equipment, medical equipment, software, yellow iron, just about anything!
There are some instances where we wouldn’t be able to finance a specific type of piece of equipment, but it’s always best to call and speak to one of our advisors first.
Our finance rates are very competitive within our industry, and we’ll always strive to find the best suited program with the best terms.
The following are the type of leases First Capital Business Finance offers:
Learn more by calling us at 888-565-6692!
A lease is a contractual arrangement where one person/business (lessee), the lender/owner(lessor), owns an asset and provides possession and use of the asset to another person, the lessee, for a fixed term.
The lessor is the legal owner of the asset/equipment and the lessee has the legal right to use the asset/equipment in exchange for rental payments.
An equipment finance agreement is an alternative to the traditional lease, and it is very similar to a loan.
The EFA terms and conditions is similar to a lease, but it is not a lease.
At the conclusion of the equipment finance agreement, you have no future financial obligations to the lender.
Unlike a lease, an EFA will not have a buyout at the end of the term; whereas, with a lease, there will usually be a buyout to own the equipment.
Get in Touch
If you need to upgrade, expand, diversify, grow, or keep your business going, we can help. We make it easy for new and experienced business owners to get cash for their companies. Get approved within 24 hours using our simple five-minute application and have the funds within five to seven days with no hidden fees. Get prequalified today! Contact us to get started.
First Capital Business Finance is committed to helping you meet your cash flow needs to grow your business. We serve small and middle market businesses and large corporations with range of loan and financing options
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