Business Financing

Business Line of Credit

A business line of credit gives you access to a certain amount of money, which can be borrowed, repaid, and borrowed again (i.e., revolving credit).

Key Features

$50K-$2M
Financing Amount
Competitive
Interest Rate
48 Hours
Fastest Funding

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 (i.e., a loan "term").

Key Features

$25K-500K
Financing Amount
Low as 6.00%
Interest Rate
72 Hours
Fastest Funding

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

Unlimited
Financing Amount
Low as 6.25%
Interest Rate
30-45 Days
Fastest Funding

Equipment Financing

Equipment financing is a loan option offered to small business owners who need hardware, vehicles, or machinery to operate and scale their businesses.

Key Features

Up to $5M
Financing Amount
Low as 4.99%
Interest Rate
48 Hours
Fastest Funding

ERC Bridge Financing

ERC Bridge Financing, or an ERC Advance, which includes loan and buyout options, allows businesses to access up to 85% of their ERC refund without waiting on the IRS.
Most Popular

Key Features

Up to 85%
Value of ERC Refund
Industry-Best
Rates, Selection, and Terms
72 Hours
Pre-Approval Time

SBA Loans

SBA Loans are partially guaranteed by the U.S. Small Business Administration (SBA), with lower interest rates and more flexible terms than conventional loans.
Recommended

Key Features

Up to $5.5M​+
Financing Amount
Low as 6.5%
Interest Rate
30-60 Days​
Fastest Funding

Important Notice

Due to processing changes made by 1st Capital Financial’s affiliate(s), the company’s SETC Self-Service Platform will be suspended for new clients effective April 11, 2024.
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How Can We Help Your Business?

Apply for ERC Financing

Get an advance on your ERC refund with ERC Bridge Financing. No other company offers better selection, rates, or terms.
Most Popular

Apply for an SBA Loan

Apply for an SBA 7(a), Express, or 504 loan. We'll give your business its best shot at an approval decision.
Recommended

Check Your R&D Eligibility

Take advantage of the Research and Development (R&D) Tax Credit with our filing service.

Contact Sales

Speak with an expert regarding any of our small business financing products or tax credit services.