Small Businesses' First Choice for Financing

Buy, Grow, or Consolidate with the Industry's Most Competitive Loan Offerings
Get Exclusive Access to 1st Capital Financial's Extensive 190+ Partner Network
Receive Guidance from Real Experts with Over 25 Years of Experience
BBB Accredited Business Seal with A+ Rating
Hero Image of Happy Small Business Owner with 1st Capital Financial Branding

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

Buy an existing business, franchise, or commercial real estate property with flexible financing options up to $20 Million.

Grow

Hire employees, purchase equipment, or invest in marketing with 1st Capital Financial as your scalable financing partner.

Consolidate

Take back control of your business's profitability by consolidating debt at a lower interest rate and better financing terms.
20,000+
Businesses Financed
$100 Million+
Funds Delivered
25 Years+
Industry Experience

Products Your Small Business Will Love

Explore Financing Products

1CF_Commercial_Loan_Icon

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.

Key Features
Not Limited

Financing Amount

7 to 10 Days

Pre-Approval Time

Up to 30 Years

Repayment Term

ERC Bridge Financing / ERC Advance Loan

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.

Key Features
Not Limited

Financing Amount

48 to 72 Hours

Pre-Approval Time

Call to Inquire

Repayment Term

SBA 7(a) and 504 Loans Icon

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.

Key Features
Up to $5 Million

Financing Amount

7 to 10 Days

Pre-Approval Time

Up to 25 Years

Repayment Term

ERC Bridge Financing / ERC Advance Loan

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.

Key Features
Up to $20 Million

Financing Amount

48 to 72 Hours

Pre-Approval Time

6 to 24 Months

Repayment Term

1CF_Business_Line_of_Credit_Icon

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.

Key Features
$50K to $750K

Financing Amount

48 to 72 Hours

Pre-Approval Time

Revolving

Repayment Term

1CF_Business_Term_Loan_Icon

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").

Key Features
Up to $500K

Financing Amount

48 to 72 Hours

Pre-Approval Time

12 to 60 Months

Repayment Term

1CF_Equipment_Financing_Icon

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.

Key Features
Up to $5 Million

Financing Amount

48 to 72 Hours

Pre-Approval Time

24 to 72 Months

Repayment Term

1CF_Invoice_Factoring_Icon

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.

Key Features
Up to $20 Million

Financing Amount

48 to 72 Hours

Pre-Approval Time

Receipt of Client PMT

Repayment Term

1CF_Merchant_Cash_Advance_Icon

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).

Key Features
Up to $2 Million

Financing Amount

As Little as 1 Day

Pre-Approval Time

2 to 24 Months

Repayment Term

1CF_Private_Money_Loan_Icon

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.

Key Features
Up to $20 Million

Financing Amount

48 to 72 Hours

Pre-Approval Time

6 to 60 Months

Repayment Term

SBA 7(a) and 504 Loans Icon

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.

Key Features
$125K to $5M+

Financing Amount

7 to 10 Days

Pre-Approval Time

10, 20, or 25 Years

Repayment Term

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

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

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

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

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

More Reviews from the 1st Capital Financial Family

Have questions? Give us a call and we'll walk you through it.

+1 (833) 317-8227

Monday 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. 

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 Status 
  • 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. 

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.

Explore Our Blog

Original Content from Industry Professionals

Contact Sales

Speak With an Expert Regarding Any of Our Products or Services

Book a Meeting

Select a Date and Time To Speak With an Expert

Get an Advance on Your ERC Refund

1st Capital Financial’s ERC Bridge Financing gives employers cash upfront for their ERC refund, so they don’t have to wait on the IRS. Submit an ERC Financing Form online to get started.