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First Capital Business Finance

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First Capital Business Finance

Commercial Financing Options for Your Business

At First Capital we help businesses like yours secure the financing you need. Our simple application process is painless and often results in a same day approval notice!

If you have equipment you need, we can finance it. Contact us today to learn how we can help.

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First Capital Business Finance

Same Day Loan Approval

Getting the loan you need is simple. Contact us & you can get prequalified for your loan on the same day!

Step 1

Reach out to us via phone or the contact form on this website.

Step 2

We'll contact you to get the information we need to process your loan.

Step 3

You'll receive a decision on your loan shortly (typically the same day).

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FAQs

Read below to see the answers to our most frequently asked 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.

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:

  • 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.

Same Day Loan Approval