Commercial Finance Solutions
Real Capital To Help Businesses Grow!
Commercial Finance Services
Comprehensive Commercial Finance Solutions to Expand Your Business. Besides well-regarded invoice factoring services, a wide array of commercial finance solutions are available from First Capital. We also provide the following services:
- Purchase Order Financing: Secure funding to fulfill large orders and also manage the supply chain effectively.
- Revolving Lines of Credit for Inventory Finance: Gain flexible capital to manage inventory and respond to market demands.
- Asset-Based Loans: Leverage assets for essential working capital.
- SBA Loans: Access government-backed financing for various business purposes.
- Commercial Mortgages: Secure financing for purchasing or renovating commercial real estate.
- Equipment Leasing: Acquire necessary equipment without large upfront investments.
- Export Trade Finance: Facilitate international transactions with specialized financing.
Unlock your potential. Explore our capabilities today or call to speak with one of our experienced Business Development Officers.
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Accounts Receivable Invoice Factoring
Worldwide, trillions of dollars of factoring services are provided to B2B business operators each and every year. In fact, factoring has been recognized as an “essential business financial service” by the world’s central banks (such as our own Federal Reserve) and the reason is simple. There is no other method of commercial finance that can be brought to bear so quickly which helps so many types of business entities with their cash flow problems as factoring. With a factoring relationship in place, your business can have the ready cash for payroll, taxes, inventory, and more and still grant liberal terms of payment to your customers. You can explore factoring for your business with our FREE Factoring Guide available from our contact page.
A First Capital Asset-Based Loan can leverage your business’s collateral to help with restructuring, acquisition, recapitalization, or rapid growth opportunities.
Inventory Finance
Asset-based Lending is a powerful source of commercial finance with a number of unique characteristics. It is a method of financing accounts, inventory, and equipment through a revolving line of credit. As a source of working capital, it directly meets the needs of:
- rapidly growing companies.
- undercapitalized middle stage companies.
- companies involved in leveraged buyouts.
- companies operating in financial distress.
Asset-based lenders provide credit to a broad array of businesses both large and small. In most instances, asset-based lending is employed when the rapid growth of a business outpaces its capitalization.
At First Capital, we guide small businesses through the SBA loan process. We help businesses navigate SBA 7(a), SBA 504 and SBA Micro Loan Programs.
SBA Small Business Loans
For U.S-based entrepreneurs and business owners, the U.S. Small Business Administration (SBA) represents an extremely important source of both short and long-term loans for small business owners who are, for whatever reason, unable to secure traditional bank financing. It is important to understand that the SBA is NOT a direct lender and does not actually originate loans. Instead, the SBA provides loan guarantees for designated and approved lending institutions (often community banks) who will then provide financing for small business owners with what is termed an SBA credit enhancement. Our experienced SBA loan underwriters can assist your small business in navigating the complexities involved in SBA finance.
First Capital has the right flexible equipment financing and leasing solutions to help your business grow. We help businesses acquire the equipment they need.
Equipment Leasing
For many business owners, leasing is a primary part of the capital budgeting process and a popular alternative to more traditional types of business financing for purchases of new equipment. Additionally, refinancing existing equipment through the process of leasing also offers a viable method for restructuring and recapitalization, allowing companies to utilize their working capital more effectively.
Financially educated business owners recognize that utilizing the leasing alternative can improve their company’s balance sheet and help to preserve it’s borrowing capacity. In addition to preserving such borrowing capacity, equipment leasing often provides the additional benefit of reducing a company’s tax liability, especially if the company uses a great deal of tax depreciation.
Expand into new global markets and alleviate cash flow challenges with a range of customizable export trade finance options from First Capital. Our flexible financing solutions are designed to respond to the needs of international trade.
Export Trade Finance
Unlock the potential of global markets for your US business. With US goods and services exports exceeding $1.65 trillion in 2019, the opportunity to reach over 95% of the world’s consumers is immense. However, cross-border trade involves inherent risks such as customer credit risk, currency devaluation, and political instability. To ensure timely and secure payments on every export sale, understanding import-export trade finance solutions like international factoring and purchase order financing is crucial. At First Capital, our knowledgeable experts can help you navigate the complexities of international trade finance.
Purchase Order Financing is a funding solution that helps businesses fulfill large customer orders. Apply for First Capital PO Financing now and get additional capital to fill your customer’s orders.
Purchase Order Finance
Purchase order finance is a companion product to factoring and is commonly used to provide funding for the actual manufacturing of goods so they can be delivered against a “firm” order by a credit worthy company. Once the goods are manufactured and delivered, an invoice is generated that can then be factored with a portion of the advance from factoring being used to pay back the financing extended for the purchase order finance.
Purchase order finance typically involves the posting of a letter of credit which the manufacturer can draw upon through it’s bank. Once the finished goods are delivered to the freight forwarder for shipping, the letter of credit is triggered and the funds paid to the manufacturer.
At First Capital, we help to smooth out the cash flow ups and downs faced by Realtor’s by providing a short-term advance of your pending commission.
Real Estate Commission Advance
The factoring of commissions due agents from sales of real estate is a relatively new area of specialization for certain factors. While it slightly breaks the standard rule of B2B for only non-consumer related transactions, it is looked upon as a valid factoring niche by the factoring industry anyway. In the real estate industry, this type of factoring transaction is referred to simply as a commission advance and has become quite common in large real estate agencies. It is very beneficial to sales people who often experience many peaks and valleys regarding income. Commission advances help to smooth out income droughts when sales are slow. Real estate agent commission advances are now one of the fastest growing segments of factoring. Agents, contact us for a commission advance.
Debtor-in-possesion or DIP Factoring can be a win-win for both the borrowing company and the factoring firm. DIP Factoring is designed for businesses in financial distress that plan to file for Chapter 11 bankruptcy or have already filed for it.
Financing in Bankruptcy
Factoring is one of the few methods of financing readily available to small business owners struggling to re-establish their business through a Chapter 11 bankruptcy or reorganization. While such “restructuring” of debt is commonly provided through the asset-based lending community for larger business entities, small business operators are only served by the factoring community.
Bankruptcy factoring or “DIP” financing (Debtor-In-Possession), is a unique niche area of factoring which requires a high degree of due diligence and additional legal processes not found in everyday factoring transactions. Because of these additional requirements, all factors do not provide service in this particular niche area.
Get the capital you need with a merchant cash advance from First Capital. Our MCAs are exclusively for businesses, providing working capital often ranging from a few thousand to hundreds of thousands of dollars.
Merchant Cash Advance
A Merchant Cash Advance and its related ACH Advance are lump sum advances of immediate cash which is repaid with a percentage of the borrower’s future credit card or other retail sales. Although considered an expensive form of financing, Merchant Cash and ACH Advances are often readily accessible sources of working capital when other options are simply not available.
Merchant Cash and related ACH advances are often used by such businesses as restaurants, auto repair facilities, exercise facilities, karate dojos, convenience stores, and other small businesses with needs for expansion capital or equipment.
Sell your residential mortgage, commercial mortgage, or business note for a lump sum of cash today. First Capital will buy all remaining payments or partials. Easy and quick process. Get a free quote.
Business Note Cash Outs
In addition to being nationwide purchasers of real estate mortgage notes, we are additionally buyers of Seller Financed Private Business Notes. Seller Financed Business Notes are promissory notes held by the seller of a business and payable by a new, creditworthy owner. Often, such notes are the result of one business partner buying out another. Our expert contract buyers can provide holders of Business Notes secured by the assets of a business and the personal guarantee of the owner with a Lump Sum Promissory Note Cash Out which can be used for any purpose.
Financial Solutions for You
As members of the International Association of Commercial Finance Brokers (IACFB), we can assist our valued clients in securing both the commercial and consumer financing they need and deserve. If you are currently experiencing a financial problem personally or in your business, it’s likely we can help. To find out how and explore your options, simply complete our contact form by clicking the button below. A member of our courteous staff withh be in touch with you within 24 hours!