Asset-Based Lending
Borrow using your existing assets such as accounts receivable, inventory, equipment, real estate, securities and even future cash flow streams.

Traditional Factoring
Outsource your accounts receivables management, from credit approval through the collections process using outstanding invoices as collateral for a business line of credit.

Invoice Purchasing
Convert your accounts receivable into immediate cash when we purchase your invoices.

Financing for Funds
We offer Fund Managers liquidity lines of credit in order to leverage your portfolio and improve the yield of your fund.

A/R Securitization
Achieve cost savings by issuing asset-backed commercial paper. We'll show you how.

M&A, LBO and MBO Financing
When timing is crucial and flexibility is necessary, you can count on First Capital.

Credit Protection
Credit protection is an agreement between your company and First Capital whereas First Capital pays you if your customer does not have the financial ability to do so.

Outsourcing Services
First Capital’s expertise in accounts receivable processing, collections, account management, credit analysis, and financial management, combined with the accounting skills necessary to handle a large volume of accounts has made First Capital a preferred outsourcing partner.

Import and Export Factoring
First Capital provides — International credit risk protection; Up to 80% financing against U.S. export accounts receivable; International accounts receivable collection services; Cash application services.

Inventory Purchase
In partnership with world-class third-party logistics companies (3PLs), First Capital purchases on behalf of large importers — against “take or pay” contracts — finished inventory from foreign suppliers and holds such inventory until requested delivery by importers.

Foreign Inventory Financing
First Capital accepts as eligible collateral, for asset based lending, finished goods owned by First Capital’s clients that are held overseas by acceptable third-party logistics companies, pending delivery to clients’ customers.

Letters of Credit
First Capital offers two types of letters of credit — Commercial letters of credit used to facilitate international trade payment and contractual compliance; Standby letters of credit used as a guarantee of payment of financial obligations or performance of services.

Trade-Payables
First Capital offers Trade Payable Funding to North American Importers as an unsecured working capital tool to encourage foreign suppliers to offer extended credit terms, while assuring the Exporter immediate, non-recourse payment upon acceptance of the Importer’s payment obligation for goods and/or services supplied.

Trade Acceptance Discounting
Fist Capital offers Trade Acceptance Discounting to Exporters as an unsecured working capital tool to encourage them to offer importers extended credit terms, while assuring them immediate, non-recourse payment upon acceptance of the importer’s payment obligation for goods and/or services supplied.

Welcome to First Capital, the source for prompt, professional and reliable business financing and outsourcing solutions. As one of the largest independent, privately-owned commercial finance companies in the United States, First Capital provides commercial financial services to help your business grow.

First Capital also funds acquisitions, leveraged buyouts, business refinancing and turnarounds. We specialize in accounts receivable financing and invoice factoring along with creative asset-based lending structures. We also provide business lines of credit and leverage lines to hedge funds and private equity funds.

Our accounts receivable factoring services allow you to outsource receivables management, from credit approval through invoice processing and collections. Invoice factoring also allows you convert your receivables into immediate cash to grow your business. First Capital’s receivables financing services give you online reporting and receivables management tools, delivered by your personal loan management team.

Companies with large A/R portfolios can achieve cost-effective asset-based financing by issuing commercial paper through our receivables securitization services. When you need the capital to execute your business plan, talk to First Capital.

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