Best for
- Expansion projects with a measurable payback
- Marketing campaigns, hiring pushes, inventory buys
- Refinancing more expensive short-term debt
- One-time capital expenditures
First Capital program · Independent placement
Predictable amortized capital for growth initiatives with a clear ROI.
Traditional term loans deliver a lump sum with fixed monthly payments over a defined period. Best when you know exactly what you're funding and want a straightforward, interest-based cost of capital instead of a factor-rate product.
Fit and review
Placement process
Define the amount, use of funds, and preferred payment structure.
Provide the business and ownership documents requested for review.
Appropriate third-party providers evaluate cash flow, credit, and existing obligations.
Compare written offers and complete the selected provider's closing process.
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.