Best for
- Bridging invoice-to-cash timing gaps
- Seasonal inventory or payroll cycles
- Emergency reserves and opportunistic buys
- Managing AR/AP timing mismatches
First Capital program · Independent placement
Revolving capital you only pay for when you draw it.
A business line of credit gives you a pre-approved ceiling you can draw against on demand — pay interest only on what you use, then re-borrow as you repay. The gold standard for managing cash-flow gaps, seasonality, and unexpected opportunities.
Fit and review
Placement process
Define the recurring working-capital need and desired line structure.
Provide cash-flow and financial documents requested for review.
A provider determines availability, limit, pricing, and renewal terms.
After closing, draws and repayments follow the provider agreement.
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.