Best for
- Owners with equity in commercial or investment real estate
- Businesses with strong AR aging but tight cashflow
- Inventory-heavy wholesalers and manufacturers
- Bridge situations while a longer-term facility closes
First Capital program · Independent placement
Unlock capital against the assets you already own — property, receivables, or inventory.
Asset-based lending underwrites the collateral first and the operating story second. Borrow against commercial or investment real estate, business receivables, or inventory when a traditional cash-flow loan won't stretch far enough. Fast, flexible, and structured to your balance sheet.
Fit and review
Placement process
Identify the eligible assets and current lien position.
Organize valuations, aging reports, inventory records, or property information.
A provider evaluates collateral quality, advance eligibility, and business cash flow.
Complete field exams, appraisals, legal review, and closing as required.
From the Answer Center
Start with the request. A First Capital advisor will review the information and help identify potential options from independent third-party providers.