Call Us & Get Prequalified For Your Loan

First Capital
Business Finance

We serve small and middle market businesses and large corporations with a range of loan and financing options.

Listen to what our customers have to say: Client Testimonials>

First Capital Business Finance

Commercial Financing Experts

Bad Credit Business Loans

Welcome to First Capital Business Finance, 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.

At First Capital Business Finance, we redefine financial possibilities by specializing in commercial loans and equipment financing uniquely crafted for individuals with challenging credit histories. Our unwavering commitment is centered on the belief that everyone deserves access to the capital needed to fuel their business ambitions, regardless of credit challenges. Experience a revolutionary approach that goes beyond credit scores, offering tailored solutions that empower businesses to thrive. With First Capital Business Finance, bad credit is not a roadblock; it’s an opportunity for a new beginning. Discover financial solutions that understand your journey and pave the way for success, one tailored loan at a time. 

Play Video about Heavy Equipment Financing Video

Commerical Trucking Financing

Semi Truck Financing

Heavy Equipment Financing 

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 semi truck financing, 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. 

First Capital Business Finance: Your Expert in Commercial Financing and Heavy Equipment Financing

Commercial & Semi Truck Financing

Not Traditional Financing for Your Commercial Truck is Available
Learn More
First Capital Business Finance: Your Expert in Commercial Financing and Heavy Equipment Financing

Medical Equipment Financing

Financing for Dentists, Doctors, Veterinarians, and more!
Learn More
First Capital Business Finance: Your Expert in Commercial Financing and Heavy Equipment Financing

Heavy Equipment Financing

We Can Finance Your Construction Equipment With Bad Credit
Learn More

Plumbing Equipment Financing

Get the equipment you need to keep
your plumbing business run smoothly
Learn More

Business Loans

We Offer 24 Hour Approval
on Working Capital Loans
Learn More

Janitorial Equipment and Staffing Loan

Financing your janitorial equipment
is just a few clicks away
Learn More

Equipment Financing Programs

  • Unique, personalized plans
  • Find what’s right for you
  • Fast and easy
  • Almost any industry – not just trucking

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.

Easily Qualify for Business Loans

Our requirements for borrowers:

  • Open for business for at least six months to one year.
  • Annual revenues of at least $150,000.
  • Loans between $5,000 and $2 million.
  • Simple application process.

When other lenders say no, First Capital Business Financing says yes. 

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. 


What Our Customers Say

Service Locations

Nationwide Services

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.

Construction Financing Made Easy

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.


Frequently asked financing and leasing questions!

There are several ways you can apply:
  1. You can do your application over the phone with one of our advisors. Just call 888-565-6692.
  2. You can download our credit applications HERE.
  3. You can submit your contact information online using our form. Then the next available advisor will reach out to you.

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.


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:

  • Equipment Finance Agreement (EFA)
  • Fair Market Value (FMV)
  • 10-20% Purchase Option
  • Dollar buyout ($1 out)
  • Term Residual (TR)
  • Sale-Leaseback (SLB)

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.

  • Fixed monthly payments
  • Terms ranging from 12 to 72 months

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.

Corporate businessmen 3
Get in Touch 

Same Day Loan Approval

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.

    Same Day Loan Approval