Call Us & Get Prequalified For Your Loan
Call Us & Get Prequalified For Your Loan
We provide professional, asset-based financing for the commercial industries. Secure the equipment you need with flexible terms, even when traditional banks say no.
“Funded within a week for our new equipment. No downtime!” – Luke & Sarah W.
First Capital Business Finance
Your business doesn’t stop for bank committees. We’ve redesigned the lending process to focus on your assets and your potential, not just your paperwork.
Credit-Neutral Underwriting: We specialize in “B, C, and D” credit profiles, focusing on the value of the equipment rather than just a credit score.
Application-Only Programs: Most of our programs require no tax returns or P&Ls for transactions up to $250k.
Rapid-Response Funding: Approvals in 24 hours. Funding in days. Because in your industry, downtime is lost revenue.
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.
Don’t see the type of equipment you need listed? No worries! We can finance any type of equipment.
Not Traditional Financing for Your Commercial Truck is Available.
Financing for Dentists, Doctors, Veterinarians, and more!
We Can Finance Your Construction Equipment With Bad Credit
Get the equipment you need to keep your plumbing business run smoothly
Financing your janitorial equipment is just a few clicks away
Get approval quickly. We Offer 24 Hour Approval on Working Capital Loans.
Asset-First Philosophy: We understand the lifecycle and resale value of your equipment—from a Kenworth to a Caterpillar. This allows us to offer more flexible terms than generalist lenders.
New Venture Specialist: We offer dedicated startup programs for experienced operators and foremen ready to launch their own companies.
Nationwide Footprint: Whether you’re hauling coast-to-coast or breaking ground in a single city, our capital moves with you.
Consultation & Submission: Start with a 5-minute online application or a brief strategy call with an industry specialist.
Custom Structuring: We tailor a lease or finance agreement to match your business’s specific seasonal or cash-flow cycles.
Expedited Funding: We manage the paperwork with the dealer or private seller so you can get your equipment to the job site or on the road.
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.
Service Locations
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.
FAQs
There are several ways you can apply:
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.
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:
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.
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.
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