“Bank turned us down twice. First Capital had a working capital line in our account inside 24 hours. Their team actually understands trades businesses.”
M
Marcus D.
Diesel Repair Shop — Dallas, TX
Our Story
Built by operators. For operators.
First Capital started with a simple observation from a group of like-minded individuals across trucking, construction, retail, hospitality, tech, and professional services: small businesses were navigating the finance world blind.
The Gap
Small businesses were getting the runaround.
Every founder on our team had lived it. A bank would say no with no explanation. A broker would push a single product regardless of fit. A lender would call itself 'direct' and secretly shop the file. Owners spent weeks chasing capital that either arrived too late, cost too much, or never came at all — with no one honestly explaining SBA vs. term vs. LOC vs. MCA vs. factoring vs. equipment financing.
The Founding Idea
A finance hub, not another middleman.
We came together to build the resource we wished we'd had — one place where a business owner could walk in, get an honest read on their profile, and see every product they actually qualified for side by side. Not a pitch. A menu.
The Broker Years
We earned trust one funded deal at a time.
In our early years, First Capital operated as a broker — placing SBA loans, term loans, lines of credit, equipment financing, factoring, MCAs, and credit rebuilding programs with the right lender for each client. We built a reputation for straight answers, fast turnarounds, and never forcing a product to fit.
The Evolution
From broker to capital provider.
Over the years, one thing led to another. Volume grew. Repeat clients grew. Our underwriting sharpened. Eventually we started deploying our own capital on the deals we knew best — and today First Capital is both a direct funder and a finance hub, with deep relationships across some of the industry's top SBA lenders, term loan banks, LOC providers, equipment finance companies, factoring houses, and credit restoration partners.
Today
One shelf. Every product. Honest advice.
First Capital exists so no small business owner has to guess again. Whether you need $10,000 tomorrow or a $5M SBA package next quarter, you get the same thing: a straight read on where you stand, every product you qualify for, and a team that only wins when your deal actually funds.
What We Stand For
Principles we won't compromise on.
01
Product Neutrality
We recommend what fits — not what pays us the most. If SBA is right, we say SBA. If it's factoring, we say factoring.
02
Transparent Pricing
Every rate, factor, fee, and term is disclosed before you sign. No surprises at closing. Ever.
03
Real Relationships
Our lender bench isn't a rate sheet — it's people we've worked with for years who pick up the phone when a deal needs a hand.
Client Testimonials
What business owners say about First Capital
4.9
Based on Google Reviews
“I compared four brokers. First Capital was the only one that walked me through the numbers instead of hard-selling a product. Locked in an SBA at a rate the others couldn't touch.”
P
Priya S.
Boutique Retail — Miami, FL
“Factored my first invoice batch on a Tuesday, funded Wednesday morning. My advisor still checks in months later. That's rare in this space.”
J
James R.
Trucking — Atlanta, GA
“Consolidated three MCA balances into one manageable payment. Cash flow immediately opened up — we hired two line cooks the next month. Real relief.”
E
Elena V.
Restaurant Group — Chicago, IL
“Equipment financing on a used excavator, closed in 48 hours. No games, no bait-and-switch on rate. This is how it's supposed to work.”
D
David K.
General Contractor — Phoenix, AZ
“Credit rebuild program pulled 84 points in five months. Refinanced my business debt at a rate I didn't think was possible. Life-changing service.”
S
Sarah L.
Med Spa Owner — Denver, CO
“Line of credit approved when three banks said no. First Capital found a lender that actually looked at my revenue, not just my FICO. Highly recommend.”
A
Anthony P.
Auto Body — Newark, NJ
“Got a term loan to buy inventory ahead of Q4. My advisor knew the SBA process cold and saved me weeks. Five stars, no exaggeration.”
L
Lauren M.
E-commerce — Austin, TX
“Bank turned us down twice. First Capital had a working capital line in our account inside 24 hours. Their team actually understands trades businesses.”
M
Marcus D.
Diesel Repair Shop — Dallas, TX
“I compared four brokers. First Capital was the only one that walked me through the numbers instead of hard-selling a product. Locked in an SBA at a rate the others couldn't touch.”
P
Priya S.
Boutique Retail — Miami, FL
“Factored my first invoice batch on a Tuesday, funded Wednesday morning. My advisor still checks in months later. That's rare in this space.”
J
James R.
Trucking — Atlanta, GA
“Consolidated three MCA balances into one manageable payment. Cash flow immediately opened up — we hired two line cooks the next month. Real relief.”
E
Elena V.
Restaurant Group — Chicago, IL
“Equipment financing on a used excavator, closed in 48 hours. No games, no bait-and-switch on rate. This is how it's supposed to work.”
D
David K.
General Contractor — Phoenix, AZ
“Credit rebuild program pulled 84 points in five months. Refinanced my business debt at a rate I didn't think was possible. Life-changing service.”
S
Sarah L.
Med Spa Owner — Denver, CO
“Line of credit approved when three banks said no. First Capital found a lender that actually looked at my revenue, not just my FICO. Highly recommend.”
A
Anthony P.
Auto Body — Newark, NJ
“Got a term loan to buy inventory ahead of Q4. My advisor knew the SBA process cold and saved me weeks. Five stars, no exaggeration.”
L
Lauren M.
E-commerce — Austin, TX
Ready to see what you qualify for?
Pull up the loan calculator, browse our programs, or connect with our team.
In Loving Memory
Kenneth Robert Begies Jr.
An industry OG, a true founder, and the original visionary behind First Capital. Kenneth believed that every small business owner deserved a straight answer and a fair shot at capital. His hustle, integrity, and relentless care for the underdog built the foundation we stand on today.
Gone but never forgotten. His legacy lives on in every deal we fund.