Lending FAQ

First Capital works across business financing, SBA and acquisition financing, asset-based solutions, commercial real estate, and specialty commercial situations. Program availability depends on the transaction and the independent provider reviewing it.

It depends on your credit, time in business, revenue, use of funds, and how quickly you need capital. Submit an application or speak with an advisor and we'll walk you through the trade-offs — rate, term, speed, and collateral requirements — across every product we offer.

An initial conversation does not itself affect credit. If a provider needs a credit report, its authorization and disclosure process applies. Ask which type of inquiry will be used before authorizing it.

There is no universal minimum. Providers evaluate factors such as time in business, revenue and cash flow, credit, collateral, industry, use of funds, and the documents available for the transaction.

Timing varies substantially by product, provider, transaction complexity, and how complete the file is. A revenue-based request may require less diligence than SBA, acquisition, real estate, or construction financing. No closing date is guaranteed.

A provider sizes financing from the complete request: use of funds, cash flow, credit, existing obligations, collateral where relevant, and program rules. A preliminary conversation cannot guarantee an amount.

Requirements vary. Many small-business products use a personal guarantee, while equipment, receivables, inventory, or real estate may support asset-based structures. Review the provider's documents carefully before accepting any obligation.

Some providers weigh revenue, receivables, equipment, or property more heavily than a traditional bank would, but credit still matters and approval is never assured. The right next step depends on the cause and recency of the credit issues and the strength of the rest of the file.

First Capital Funding is a commercial finance brokerage and business consulting firm — we are not a bank or a direct lender and we do not issue loans ourselves. We review your profile, structure the request, and place it with independent third-party funding and lending providers who make all credit decisions and set all rates and terms. One application gives you access to our full partner network.

Documentation depends on the program. Common items include an application, business bank statements, ownership information, and identification. SBA, acquisition, real estate, construction, and larger facilities may require tax returns, financial statements, debt schedules, contracts, budgets, or property documents.

No. It is an evaluation for new commercial financing that may pay qualifying obligations under the new provider's terms. It is not debt settlement, and a lower payment or approval cannot be guaranteed.

Sensitive submissions use secure website and restricted-document workflows. Information is handled for the requested review and may be shared with relevant providers as described in First Capital's privacy policy and the applicable authorizations.

Provider fees, brokerage or service fees where applicable, and prepayment terms vary by transaction. All binding costs and obligations should appear in the documents you review before signing.

Yes. CPAs, tax professionals, bookkeepers, consultants, insurance agents, content creators, and ISO/broker partners can introduce businesses to First Capital and be compensated when a deal funds, under the terms of a written partner agreement. Details on the Referral, Affiliate, and ISO tracks — plus how referrals are tracked and how to apply — are on our partner program page at /partners.