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888-565-6692

First Capital Business Finance

Business Financing Programs in Austin, TX

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First Capital logo 1

Commercial Business Loans & Equipment Financing – Austin, Texas

Business Loans Austin TX programs help local companies grow, expand, and stay competitive in one of Texas’ fastest-growing markets. Austin business owners rely on flexible commercial business loans and equipment financing solutions to support expansion, improve cash flow, and invest in new equipment. Whether you need funding to purchase equipment or strengthen working capital, First Capital Business Finance offers fast approvals and flexible programs for businesses throughout Austin and the surrounding Central Texas region.

We regularly assist contractors, transportation companies, medical practices, restaurants, and service-based businesses across Austin, Round Rock, Cedar Park, and Pflugerville with equipment financing and working capital solutions tailored to their needs.

From construction equipment and commercial trucks to medical and restaurant equipment, our team helps Austin businesses secure funding quickly and efficiently without unnecessary delays.

Speak with an advisor today: 888-565-6692

Why business owners choose us:

  • Fast approvals with decisions within 24 hours

  • Programs available for startups and business owners with challenged credit

  • No collateral programs available

  • Dedicated U.S.-based financing advisors

  • 24/7 online chat helpdesk with live person

  • Flexible payment terms from 12–72 months

  • Same-day funding available for qualified clients & equipment

  • Financing for all industries and equipment types

  • Serving Austin and the surrounding Central Texas region

Get Prequalified in Minutes

Skip the long application process, make sure you qualify first! Our financing advisors can get you prequalified within minutes, helping you access the working capital or equipment funding your business needs fast.

    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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    More Services

    Testimonials 

    What Our Customers Say

    "First Capital Finance has been amazing! From start to finish, always keeping in contact, never leaving us wondering what’s going on. We were funded within a week for our new equipment. When you run your own business, you can’t afford down time. Vivian, eliminated our down time! We definitely look forward to using there services again. Thank you Vivian."
    Luke & Sarah WeverWever’s Tree Service, LLC
    "Dear Dustin, I want to take a moment to thank you and your staff. When other small business lenders say no, First Capital Financing says YES. You and your coworkers do what it takes to help small businesses."
    Jeremiah JLandscaping Co.
    "I almost gave up until I talked to First Capital! It was great! He worked to help me out.  As a matter of fact, I just about gave up until I talked to Dave on the phone."
    R. McKelvey
    "Absolutely Unbelievable! Testimonial from another of our fantastic clients who purchased a truck with our financing! David was absolutely unbelievable, he was right on with everything and on time with everything and got everything I needed and how I needed it.”
    J. Michaels
    "Always available, extremely responsive. He’s phenomenal…he’s always available, extremely responsive, I love him to death I’ll be using him going forward."
    B. Tyson
    "They kept me in the loop the whole time. Dave was very patient with me.  He provided me with anything I need, any time I needed to talk to Dave I could get in contact with him either through email or phone call, he was very easy to get in contact with.  He stayed in contact with me and kept me in the loop of the process the whole time.  I had a very comfortable experience…"
    M. Williams
    "Working with Anthony was just the best…that guy is just great, he has a lot of optional things that can help out people looking for funds. He really helped out."
    E. Rokotovao
    "Went through Dave 3 times already, I did a capital loan the first time, then got our truck refinanced, and another capital loan. Every time I’ve dealt with him he’s been very professional and super fast."
    K. Morgan
    "I can’t say enough good things about our experience with First Capital Business Finance. Dustin was incredibly helpful every step of the way and always available to answer our questions. We had a tricky approval and a few bumps in the road, and he went above and beyond to help us get our truck and trailer financing. I highly recommend Capital Business Finance."
    Amanda M.
    "Dave Daniels is detailed oriented and a super-fantastic communicator. Customers appreciate his professionalism and ability to explain complex opportunities in layman terms. When given the opportunity he becomes an extension of your business opposed to a vendor. It is unfortunate I can’t work on all my loan opportunities with him"
    Maurice Settles
    "My experience with First Capital has been great. Josh Tan worked with myself and the dealership everyday and made sure all the details were handled and in place for a very smooth experience. From opening to closing he made sure I was taken care of. I will definitely be financing my second and third trucks through this company and him personally."
    D. Lewis
    "So I have a 26-ft box truck that was in dire need of repair because that is what I used as my source of income and it affects my livelihood. I did not have the over $5,000 needed to repair it so I reached out to first Capital and was contacted by Anthony Tran. I will say initially I was a little bit skeptical simply because this was my first time ever having to use my vehicle. That's collateral to secure a loan so I was a little nervous. But I will say that Anthony was extremely helpful. Very patient and very understanding of my situation he did get me in touch with the actual company who secured the loan for me and I just have to say that Brian and Anthony both were amazing. Absolutely amazing. I would highly recommend them. I would highly recommend Anthony mainly because of his customer service. He was awesome. I would not have been able to get my truck repaired if it was not for them. After having my truck in the shop for over a month I finally got it back repaired and I am back on the road, running east to west. Thank you so much! Anthony Tran and Brian Ojeda!!!"
    L. Barrow
    "I contacted First Capital Business Financial to try to buy my Box Truck through them. It was the best thing I did. I had already tried other places and it was impossible, but First Capital Business Financial made it possible when Josh worked with me and was very kind and patient, always communicating with me every day about each step to follow. Thank you Josh and First Capital Business Financial for making it possible."
    R. Aponte
    "Wow! they are genuinely awesome. I can honestly say Dustin helped me out from the beginning to the end. They were very attentive and stood on their word. I recommend everyone to work with them. I love good people who are honest and nice everyday. Much Love. Thanks Dustin and Brian"
    J. Jenkins
    "A Great Experience with First Capital Business Finance If you’re in the market for a loan, I highly recommend reaching out to First Capital Business Finance. My experience working with them was smooth and professional from start to finish. The process was straightforward, and I felt supported at every step. The team is knowledgeable and dedicated to helping clients find the best financing options available. I was particularly impressed with how they took the time to understand my needs and tailor their services accordingly. I had the pleasure of working with Todd Doan, who made the entire financing process for my semi-trucks incredibly easy. Todd's expertise really shone through as he guided me through the paperwork and explained everything in a way that was easy to understand. His attention to detail ensured that I felt informed and confident in my decisions. It’s rare to find someone who combines professionalism with a genuine desire to help, but Todd did just that. Overall, I cannot speak highly enough of my experience with First Capital Business Finance and Todd Doan. Their commitment to transparency and communication made me feel valued as a client. If you are considering financing options for your business, I encourage you to reach out to them. You’ll find a team that is not only professional but also truly invested in your success."
    B. White
    "I dealt with Dustin Doi whom I found to be Professional,Courteous, thorough , diligent and effective. Dustin was very helpful to me especially since my technological skill set is; at best; abysmal…Dustin went above and beyond; patiently walking me through every step that I had difficulty with. I would, and have; highly recommend(ed) Dustin to other lease -to -own operators looking to purchase their truck…. Thank you SO VERY much Dustin !… may God Bless you and keep you 🙏"
    Junkyard Dog

    We are the Leading Providers of Business Loans,
    Equipment Financing & Leasing in Austin, Texas

    Austin is one of the fastest-growing business markets in Texas, driven by strong technology, construction, healthcare, transportation, and professional service industries. As companies expand throughout Austin and the surrounding Central Texas region, access to reliable business loans and equipment financing becomes essential.

    Austin is one of the fastest-growing business markets in Texas, driven by strong technology, construction, healthcare, transportation, and professional service industries. As companies expand throughout Austin and the surrounding Central Texas region, access to reliable business loans and equipment financing becomes essential.

    With continued commercial development and population growth, many small and mid-sized businesses are investing in new equipment, fleet vehicles, and infrastructure. Flexible financing solutions allow Austin business owners to preserve working capital while positioning their companies for long-term success.

    Get the Capital You Need to Get Growing!

    At First Capital Business Finance, we equip Austin businesses with funding they need to move forward confidently.

    Whether you need equipment financing, a working capital loan, or invoice factoring, our team works to simplify the approval process and deliver funding efficiently.

     

    First Capital Business Finance is Your Choice for Business Funding for the Following Reasons:

    • Flexible credit financing available
    • Financing terms ranging from 12 to 72 months
    • Flexible payment structures
    • Up to 100 percent financing available
    • Customized funding solutions for a wide range of industries
    Architect man showing something on project to his colleagues

    With a fast approval process and responsive customer service, Austin business owners can access funding without unnecessary delays. Contact us for a working capital loan, equipment leasing, or commercial title loans tailored to your company’s needs. Apply today and receive a decision in as little as 2 to 5 business days, with funding often available within a week.

    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.

    FAQs

    Frequently Asked Questions About Equipment Financing Options in Austin

    Let us help you with equipment financing in Austin. We want to help you get to where you can depend on the right equipment instead of just making do. Here are a few questions our customers have asked. Maybe they will help you, too.

    We have a wide range of financing options in Austin, and many of them are dedicated to those who do not have the best credit history or score.

    We do everything we can to help all businesses. If you need equipment financing options in Austin, but they are for unique needs, call us. Unlike some financing companies, we will listen to your individual needs and see if we can help, no matter your situation.

    We can help in many cases where your goal is to lease some equipment until the point where you can buy it outright. Call us to find out more!

    Same Day Loan Approval