At First Capital
It’s All About Relationships!
Empowering Small & Mid-Sized Businesses with Smart Capital Solutions
First Capital Commercial Finance is a specialized commercial finance company dedicated to providing flexible, relationship-driven working capital solutions for small to mid-sized businesses across a wide range of industries.
40+
Years of combined experience
SMB
Focused - built for businesses like yours
5
Core financing solutions offered
Who We Are
First Capital, Commercial Finance, is a division of First Capital Financial Group, LLC — an established financial services organization committed to helping businesses access the capital they need to grow, operate, and thrive.
We understand that access to working capital is one of the most critical challenges facing small and mid-sized businesses today. Traditional banks often fall short — with slow approvals, rigid requirements, and limited flexibility. That is why we built First Capital Commercial Finance: to bridge that gap with fast, creative, and customized financing solutions.
With over 40 years of combined industry experience, our team brings deep expertise across commercial finance, credit analysis, and business lending. We take the time to understand each client’s unique situation and structure solutions that align with their cash flow needs and growth goals.
First Capital, Commercial Finance, Executive Management Team. L-R, Jerry Davidson (Quality Control Director), Cassandra Rollins (Underwriting Director), Michelle Gardner (National Sales Director), Will Lawson (Managing Director), Angélica Simmons (HR Manager).
Our Solutions
We offer a comprehensive suite of working capital and asset-based financing products designed specifically for small to mid-sized businesses:
Invoice Factoring
Convert your outstanding receivables into immediate cash — without waiting 30, 60, or 90 days for customers to pay.
Equipment Financing & Leasing
Acquire or upgrade essential equipment with financing and leasing options that preserve your working capital.
Purchase Order Financing
Fund the cost of fulfilling large orders so you can say yes to bigger opportunities — even when capital is tight.
Trade Finance
Support domestic and international trade transactions with solutions that reduce risk and improve cash flow throughout the supply chain.
Asset-Based Loans
Leverage your business assets — inventory, receivables, and equipment — to secure a flexible revolving credit facility.
Why Choose First Capital
We are not a bank — and that is precisely our strength. We move quickly, think creatively, and focus entirely on the financial health of your business. When traditional lenders say no, we look for ways to say yes.
Our clients choose us because we bring a consultative approach to commercial finance. We listen first, then structure a solution that fits. Whether you are a startup looking to stabilize cash flow or an established company ready to scale, First Capital has the tools and the experience to help you move forward.
First Capital Commercial Finance is a division of First Capital Financial Group, LLC. Our institutional backing means you get the resources of an established financial group combined with the responsiveness and personal service of a dedicated commercial finance team.
We are different than most Commercial Finance companies. If our primary loan programs aren’t the perfect fit, our established partnerships ensure we can still find the ideal funding solution for your company’s unique needs. We empower business owners by tapping into a robust network of over 500 institutional lenders via our partnerships through the International Association of Commercial Finance Brokers.
Our Commitment
At First Capital, we are committed to transparency, speed, and long-term partnership. We measure our success by the success of the businesses we serve. Every financing solution we provide is designed to give you flexibility today and position you for growth tomorrow.
If your business needs working capital and you are not sure where to turn — we are here. Let us show you what the right financial partner can do.