Amidst the current uncertainty surrounding COVID-19, we want to assure you that First Capital Business Finance is doing everything possible to help reduce the spread of the coronavirus. The well-being of our customers, our staff, and the community is our top priority and we are taking every precaution to keep them safe. I wanted to take the time to share the measures that we have taken to ensure that our services remain uninterrupted and 100% available to you. Click Here to read more


When others say no, First Capital says YES

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 J Landscaping Co.

Business Loans, Equipment Financing & Leasing

First Capital Business Finance is a full-service commercial lending company based in California. We specialize in helping business owners, developers, and executive managers acquire funding to grow their businesses. Whether you have bad credit or no credit, we’ve got your back. Our services include:


Easily Qualify for Business Loans

  • Open for business for at least 6 months – 1 year
  • Annual revenues of at least $150,000
  • Loans between $5,000 and $2,000,000
  • Simple application process

Our primary focus is on your cash flow – because there’s more to your business than a credit score.

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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 a variety of financing programs for a variety of company types. From owner-operators to a tech start-up, to mid-size construction, we have a plan that’s right for you.

Commercial Truck Financing

From heavy-duty tractor-trailers to light duty box trucks, tow trucks, dump trucks, flatbeds, tankers, and even HazMat, we make it easy to get a hold of a new or used commercial vehicle.

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Construction Equipment Financing

Nothing halts production quicker than not having the heavy construction equipment (yellow iron) you need to get the job done. We make it easy to acquire reliable, new, or used, construction equipment. From backhoe loaders to mini excavators, skid steers, bulldozers, excavators, cranes, drills, grinders, pavers, and more, we have a program for you.

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Niche Programs

We also offer financing for a range of other industries:

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Bad Credit Business Loan Programs

It’s easier than ever to get financing with our Asset-Based Direct Lease Programs! You can qualify even with:

  • Recent Bankruptcy
  • Tax Liens
  • Judgments
  • Collections
  • Repossessions

Do you have bad credit and need a loan?

Having a poor credit score can make it difficult for you to get the funds you need through traditional banking channels, there are tons of options to consider when it comes to business loans with bad credit. Most banks reject applications if you have a credit score below 600, and a large percentage of small and medium businesses face this hardship.

Not to mention, most traditional lenders will deny your funds if you have a poor credit history. For lenders, your credit score is the measure of your creditworthiness. The higher the score, the higher the probability you will make good on your repayment. Banks are wary of lending to businesses with a low or bad credit score because they don’t want to risk the chance of default payments.

Businesses with good credit scores are able to get business loans at the best rates and competitive terms. On the other hand, a business with bad credit has to contend with high fees and rates to make up for the potentially higher risk the lender will take on.

Finance Equipment with Bad Credit or No Credit

Contact Us for Business Loans or Equipment Financing Today

If you need to upgrade, expand, diversify, grow, or simply keep your business going, we can help. We make it easy for new and experienced business owners to get cash for their businesses. Get approved within 24 hours using our simple 5-minute application and have the funds within 5-7 days with no hidden fees. Get pre-qualified today!

Call (888) 565-6692

Equipment Financing First Capital Business Finance Loans Title

Business Loans, Commercial Equipment Financing, Leasing | First Capital Business Finance