Small Businesses' First Choice.
Your Small Business Has Goals,
We'll Help You Fund Them
Our financing products, tax services, and employee benefits are tailored to your business’s unique needs.
Financing Products Your Small Business Will Love
Explore Our Financing Products
Business Line of Credit
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Business Term Loan
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Commercial Loan
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Equipment Financing
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ERC Bridge Financing
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SBA Loans
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Tax Services and Employee Benefits Your Small Business Will Appreciate
See Our Tax Services and Employee Benefits
ERC Filing Service
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R&D Filing Service
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WIMPER Program
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Reviews From Our Clients
We're Trusted By Small Businesses Like Yours
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Resources To Inform Your Small Business
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FAQs About 1st Capital Financial
Frequently Asked Questions, Answered
What does 1st Capital Financial do?
1st Capital Financial is the leading authority for small business financing, tax services, and employee benefits. We employ an extensive partner network, over 30 years of industry experience, and a client-centric approach for thousands of businesses each year.
What types of funding does 1st Capital Financial offer?
1st Capital Financial’s team is dedicated to helping business owners and entrepreneurs secure the funding best suited to their needs and circumstances. We have partnered with over 200 banks, non-banks, and private investors to offer our clients greater flexibility and better rates. Our financing products include:
- Business Lines of Credit,
- Business Term Loans,
- Commercial Loans,
- Equipment Financing,
- ERC Bridge Financing,
- Invoice Factoring,
- Merchant Cash Advances,
- Private Money Loans,
- and SBA Loans.
Am I eligible for a loan if I have poor credit?
Yes, 1st Capital Financial welcomes all business owners and entrepreneurs, regardless of their credit score. If conventional lenders have turned you down due to a poor credit history, we encourage you to call us. We are honest and transparent with all our clients about their options.
How soon can I receive funds?
The sooner you connect with our financing team, the sooner we can process your application. Approval and funding timelines will vary by product, lender, and other factors.
If timing is a concern, though, let us know!
What are the eligibility requirements for a SBA loan?
The basic eligibility requirements for most SBA loan programs involve each of the following:
- An Acceptable Personal or Business Credit Score
- A For-Profit Business StatusÂ
- A U.S.-Based Location and Operations
- Adherence to the SBA’s Business Size Standards
- A Qualified SBA Industry
- A Qualified Owner
- Owner Support and Funding
Having trouble finding the answer to a question? See our FAQs page.
Additional Resources to Aid Your Small Business
We’re continually expanding our resource offerings for our clients. Check back soon for more updates.
Get an Advance on Your ERC Tax Refund
1st Capital Financial’s ERC Bridge Financing provides you with cash upfront for your ERC tax refund, so you don’t have to wait on the IRS. Submit an ERC Financing Form online to get started.