First Capital Programs

Capital solutions for every stage of business.

From SBA-backed term debt to revenue-based advances and working capital solutions, explore the programs we structure for business owners nationwide.

Capital Solutions

Diversified funding programs tailored to your specific asset class and cash flow profile.

Updated: Q4 2025 Guidelines

01 / SBA Backed

SBA 7(a) & 504 Loans

  • RatesPrime + 2.75%
  • Duration10–25 Years
  • Max AmountUp to $5M
  • Credit Score680+
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02 / Traditional

Term Loans

  • Rates6.9% – 12%
  • Duration1–5 Years
  • Funding1–2 Weeks
  • Credit Score660+
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03 / Revolving

Bank Line of Credit

  • Rates8% – 16%
  • Limit$25k – $500k
  • DrawOn Demand
  • RenewalAnnual
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04 / Asset Based

Equipment Financing

  • APR8.5% – 14%
  • Duration2–7 Years
  • Funding3–5 Days
  • Down Payment0 – 10%
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05 / Revenue Based

Merchant Cash Advance

  • Rate Factor1.14 – 1.42
  • Duration4–18 Months
  • FundingSame Day
  • Min Revenue$15k/mo
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06 / Asset Based

Asset Backed Loans (ABL)

  • Loan Size$100k – $10M
  • LTVUp to 75%
  • Term1 – 5 Years
  • CollateralReal Estate / AR / Inventory
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07 / Real Estate

Commercial Real Estate (CRE)

  • Loan Size$250k – $25M
  • LTVUp to 80%
  • Term5 – 30 Years
  • PurposePurchase / Refi / Cash-Out
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08 / Real Estate

Fix & Flip / Construction

  • Loan Size$100k – $5M
  • LTV / LTCUp to 90% LTC
  • Term6 – 24 Months
  • DrawsMilestone Based
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09 / Real Estate

Business-Purpose HELOC

  • Amount$25k – $750k
  • Terms10 – 30 Years
  • FundingAs Few As 5 Days
  • CollateralProperty Equity
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10 / Revolving

0% Business Credit Cards

  • Intro APR0% for 6 – 21 Mo
  • ApprovalsStacked $50k – $250k
  • Credit Min680 FICO
  • ReportingBusiness Only
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11 / Unsecured

Personal Loan — Up to $150k

  • AmountUp to $150k
  • CollateralNone
  • Term2 – 7 Years
  • Funding1 – 5 Days
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12 / Cashflow Relief

Business Loan Consolidation

  • Payment CutUp to 55%
  • Duration12–36 Months
  • StructureSingle Payment
  • StandingKept in Good
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13 / Receivables

Invoice Factoring

  • Advance Rate80% – 95%
  • Factor Fee1% – 5%
  • Funding24 – 48 Hours
  • Credit FocusYour Customers
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