Small Businesses' First Choice for Financing

Your Small Business Has Goals, We'll Help You Fund Them
We’re here for you every step of the way to ensure that you receive the best rates and terms possible.
Buy
Grow
Consolidate
Products Your Small Business Will Love
Explore Financing Solutions
Commercial Loan
A commercial loan is a debt-based financing option made to a business to fund the purchase, development, or construction of commercial property.
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ERC Bridge Financing
Employee Retention Credit (ERC) bridge financing, or an ERC Advance Loan, allows employers to receive up to 85% of their ERC funds in days instead of months.
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SBA 7(a) Loan
The 7(a) Loan Program is a great option for purchasing real estate or a business, buying out a partner, consolidating high-interest debt, paying for inventory, and more.
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Bridge Loan
A bridge loan, or a swing loan, is a short-term real estate loan option for small businesses that require immediate financing to cover existing or unexpected expenses.
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Business Line of Credit
A business line of credit gives small business owners access to a certain amount of money, which can be borrowed, repaid, and borrowed again.
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Business Term Loan
A business term loan provides small business owners with a lump sum of cash that is paid back on a fixed schedule over a set period of time (i.e., a loan "term").
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Equipment Financing
Equipment financing is a loan option offered to small business owners that need hardware, vehicles, or machinery to operate and scale their business.
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Invoice Factoring
Invoice factoring allows small businesses to monetize their unpaid invoices before they become due. This is helpful to businesses suffering from cash flow problems.
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Merchant Cash Advance
A merchant cash advance (MCA) allows small businesses to leverage their future credit sales and bank deposits for an upfront sum of cash (i.e., an advance payment).
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Private Money Loan
A private money loan, or a hard money loan, is a non-traditional, short-term option for small business owners that may have trouble qualifying with other lenders.
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SBA 504 Loan
The 504 Loan Program is a great option for business owners seeking long-term, fixed-rate financing for real estate, construction or renovations, equipment, and more.
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The Small Business Industries We Finance
We finance small businesses in hundreds of different industries.
Accounting and Tax Services | Ecommerce Businesses | Medical Practices |
Agriculture | Educational Services | Nail Salons |
Automotive, Repair, and Maintenance | Energy and Infrastructure | Pawn Shops |
Bars and Breweries | Fitness and Training Facilities | Pest Control Services |
Beauty Supply Stores | Franchise Restaurants | Pet Stores |
Beer, Wine, and Liquor Stores | Freight Trucking | Pharmacies |
Cannabis Businesses | Funeral Services | Professional Services |
Car Dealerships | Gas Stations | Recreational Services |
Car Washes | Grocery and Convenience Stores | Restaurants and Foodservice |
Clothing Stores | Hardware Stores | Rideshare Businesses |
Having trouble finding your business’s industry? Give us a call.
You Know Your Business, We Know Financing
Our Financing Process

Connect with Our Team
We will ask you some quick questions to assess your business’s financing needs, goals, or challenges. This information will help us determine the best approach and financing structure. We encourage you to utilize this time to share any questions you may have as well.
Await Underwriting
Following our initial assessment, we will select preferred lenders from our 190+ partner network to begin negotiating the most competitive offers for you. If other documents are needed (e.g., a tax return or proof of income), we will reach out to you immediately to keep the process as smooth and timely as possible.
Review Your Offers
Once we have collected the most attractive offers, we will share them with you. Our goal at this stage is to ensure that you are well-informed, feel confident, and satisfied before making a decision.
Receive Your Funds
Bearing witness to the unfettered joy and happiness that our clients experience at this stage makes it our favorite. We will walk you through a final checklist and answer any remaining questions you have.
Client Testimonials
We're Trusted By Small Businesses Like Yours
We were in escrow for a commercial purchase and were working with another broker who was not very responsive. Our closing timeframe was fast approaching. Fortunately, a colleague suggested we call 1st Capital Financial. Liza and her team took over and closed the transaction before the deadline. They even got us a better offer!
I was expanding my business and I needed a SBA loan. After calling around to different lenders, I spoke with the President of 1st Capital. She was extremely knowledgeable, and she provided me with some great insights. I have been referring other franchisees to them ever since!
Have questions? Give us a call and we'll walk you through it.
+1 (833) 317-8227Monday through Friday, 8:00 AM to 5:00 PM PT
FAQs About 1st Capital Financial
Frequently Asked Questions, Answered
1st Capital Financial is a leading authority for small business lending — loans, financing, and lines of credit — and professional employee retention credit (ERC) services. We employ an extensive partner network, over twenty-five years of industry experience, and a client-centric approach for thousands of small businesses each year.
1st Capital Financial’s team is dedicated to helping small business owners and entrepreneurs secure the type(s) of funding that are best suited to their needs and circumstances. We have partnered with over 190 banks, non-banks, and private investors to offer our clients greater flexibility and better rates. Some of our financing options include:
- SBA 7(a) and 504 Loans
- Business Lines of Credit
- Business Term Loans
- Commercial Real Estate Loans
- Bridge Loans
- Private Money Loans
- Merchant Cash Advances
- Equipment Financing
- Invoice Factoring
Yes, 1st Capital Financial welcomes all small business owners and entrepreneurs no matter their credit score. If you have been turned down by traditional lenders due to poor credit history, we encourage you to give us a call. We are honest and transparent with all our clients about their options.
The sooner you connect with 1st Capital Financial’s team, the sooner we will be able to get to work on your behalf. Approval times and transfers of funds vary by product, lender, and client application.Â
If timing is a concern, let us know!
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
The privacy and security of your data is our top priority. We have implemented best practice security protocols that are consistent with leading financial institutions, including 256-Bit SSL encryption, reCAPTCHA protection, and routine monitoring.Â
No, there are no application fees or obligations associated with using tools on this site (i.e. there are no hidden fees).
Yes, many of 1st Capital Financial’s financing products and small business services are available in all 50 states.
Having trouble finding the answer to a question? See our FAQs page.
More Resources to Power Your Small Business
We’re continually expanding our resource offerings for our clients. Check back soon for more updates.
Schedule a Financing Consultation
Don't Miss Out on the Employee Retention Credit (ERC)
You may be eligible for a payroll tax refund of up to $26,000.00 per employee in 2020 or 2021. This is money you’ve earned, brought to you by the company you trust. Submit an ERC application online to find out if you’re eligible or schedule an ERC consultation to learn more.