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First Capital Business Finance

Your Financing Partner

Financing Built Around Your Business

About First Capital Business Finance

First Capital Business Finance was formed in July 2009 to help business owners explore financing options beyond traditional lending.
 
Our story began during a period of change in the mortgage industry. Dustin Doi brought 12 years of mortgage-industry experience, including serving as Executive Vice President of Wholesale Lending at a direct lender. When that company’s owner decided to retire after more than 25 years in business, an opportunity to pursue a new direction emerged.
 
We recognized a need among business owners whose circumstances did not fit conventional lending requirements—including startups, businesses without profitable tax returns, and business owners with credit challenges. We entered the alternative business-financing market to help these clients understand and explore the programs available to them.

Initially, our focus was working-capital financing. Through conversations with clients, we learned that many were using those funds to purchase equipment. Those conversations helped shape our expansion into equipment financing and the range of business-financing options we offer today.

Our Vision

Acquiring financing for equipment should be easy and accessible for everyone.

Our Mission

To help businesses of all sizes finally get the financing they need to grow their business.

Our Values

Reliable, Trustworthy, and Expedient

Understanding Your Needs. Keeping You Informed.

Every business has different goals, circumstances, and financing needs. We take the time to understand those details before identifying available programs and explaining options suited to each client’s situation.

Our approach is detailed, personal, and communication-focused. We help clients understand their options, answer questions, and keep them updated throughout the financing process. We believe business owners deserve clear information and attentive service as they consider important financial decisions.
Whether you are starting a business, purchasing equipment, or exploring working capital, our goal is to help you move forward with a clearer understanding of your financing options.
 

Business Philosophy:

At First Capital Business Finance, our business philosophy is rooted in the belief that financial challenges should never hinder a business’s potential. We approach financing as a partnership, understanding that every business is unique. Our focus is not just on transactions, but on enabling our clients to thrive. By listening closely to their needs and leveraging our expertise, we craft financing solutions that bridge gaps, overcome obstacles, and pave the way for success. We are dedicated to reshaping the narrative around financing by prioritizing accessibility, flexibility, and innovation in all that we do.

 

Quality Assurance

Quality is the cornerstone of First Capital Business Finance. We are committed to providing financing solutions that are not only effective but also reliable and sustainable. Our quality assurance processes encompass thorough assessments, meticulous attention to detail, and adherence to industry best practices. Every step, from application to approval, is underpinned by our commitment to excellence. By upholding the highest standards of quality, we ensure that our clients receive financing options that align with their goals and contribute to their long-term success.

Meet Our Team

Dustin Doi

Sales & Financing Strategist

Dustin brings 12 years of prior mortgage-industry experience, including serving as Executive Vice President of Wholesale Lending at a direct lender. That background helped shape First Capital Business Finance’s move into alternative business financing and its focus on understanding the circumstances behind each financing request.

Dustin takes a detailed, client-focused approach. He works to understand each business owner’s needs, identify suitable financing programs, and explain the available options. Clear communication and keeping clients informed throughout the process are central to his work.

Todd Doan

Vice President of Business Development

Todd brings decades of experience in customer service, leadership, and retail management. His background includes working for a Fortune 500 company and operating a consumer-focused autmotive aftermarket retail business, giving him firsthand insight into the demands of running a small business and serving its customers.

Throughout his career, Todd has focused on building relationships grounded in trust, honesty, and reliability. His hands-on experience has shaped a practical understanding of customer needs and the importance of consistent, attentive service.

As Vice President of Business Development at First Capital Business Finance, Todd brings that customer-first perspective to business development and client relationships. He is committed to listening, helping clients understand their options, and making sure they feel valued and supported throughout the process.

First Capital Business Finance

Our Services

Commercial & Semi Truck Financing

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Not Traditional Financing for Your Commercial Truck is Available
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Heavy Equipment Financing

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We Can Finance Your Construction Equipment With Bad Credit
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Business Loans

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We Offer 24 Hour Approval on Working Capital Loans
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Loans Against Construction Equipment

Proven and Experienced

Our team includes experienced and helpful representatives who have a firm grasp of the financing options available to those in business.

We can help you understand what you can qualify for and what guidelines apply in the industry in which your business operates. Our approval process is also quick and easy; we want to help you get what your business needs to succeed. You can gain approval in as little as two days, and your funding can come through in as few as five days upon acceptance.

Client Testimonials

Google 5 Star Reviews
About Us

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.

Ready to transform your business with our specialized financing solutions?

Take the next step towards unlocking growth opportunities today. Explore our range of services and discover how we can tailor financing options to meet your unique needs. Whether you’re seeking equipment financing, lease arrangements, or solutions for challenging credit situations, we’re here to guide you every step of the way. Contact us now to embark on a journey toward financial empowerment and business success.

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