Our story · More than 17 years of experience
For more than 17 years, the team behind First Capital has worked in commercial finance, helping business owners and professional advisors navigate an increasingly fragmented capital market.
The progression
The model evolved, but the operating principle stayed the same: understand the transaction before choosing the financing path.
The Gap
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
The goal is straightforward: understand the transaction first, explain the relevant financing categories, and organize a request that appropriate third-party providers can evaluate.
The Early Years
First Capital operates as a commercial finance brokerage, not a bank or direct lender. That distinction matters: the work is to structure and place each request while the independent provider makes every credit decision and sets every term.
The Evolution
Through direct relationships, strategic agreements, and institutional lending access, First Capital can evaluate opportunities across a network of more than 7,000 banks, credit unions, private lenders, debt funds, and alternative financing providers nationwide. This does not mean every source reviews every request or that First Capital has a direct contract with each institution.
Today
Business financing, SBA and acquisitions, asset-based structures, commercial real estate, and specialty situations each require different underwriting. First Capital helps identify the appropriate path without promising approval or forcing every request into the same product.
What we stand for
We recommend what fits — not what pays us the most. If SBA is right, we say SBA. If it's factoring, we say factoring.
Operating principleEvery rate, factor, fee, and term is disclosed before you sign. No surprises at closing. Ever.
Operating principleOur 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.
Operating principleBrowse the financing categories or start with the goal and let our team help identify the right path.
In Loving Memory
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 place.