Capital Loans

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Working capital loans provide businesses with fast access to cash for everyday operations, growth opportunities, and unexpected expenses. Unlike equipment financing, capital loans are not tied to a specific purchase and can be used for payroll, inventory, repairs, expansion, or short-term cash flow gaps. At First Financial LLC, we offer working capital solutions that complement equipment financing and help businesses stay flexible. When timing matters, our team helps you secure funds quickly and with clear expectations.

Features of Our Capital Loan Solutions

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Flexible Use of Funds

Use working capital for payroll, inventory, equipment repairs, expansion costs, or operational expenses. Funds are not restricted to equipment purchases.

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Fast Approvals

Capital loans are designed for speed, making them ideal when cash is needed quickly. Many clients receive decisions the same day.

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Short-Term & Flexible Terms

Choose repayment structures that align with your cash flow and business cycle. We help you select terms that minimize strain on operations.

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Credit-Friendly Options

We work with a wide range of credit profiles and evaluate more than just a score. Our specialists provide guidance to improve approval odds when needed.

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Complement to Equipment Financing

Capital loans work alongside equipment financing, helping businesses cover down payments, repairs, or operating costs tied to growth initiatives.

How Our Capital Loan Process Works

Our process is straightforward and designed to keep your business moving. We focus on clarity, speed, and consistent communication throughout the process. You’ll always know what’s required and what comes next.

  1. Apply Online: Submit a short application with basic business details.
  2. Review & Options: We assess your needs and present suitable working capital options.
  3. Approval: Receive a fast decision and review transparent loan terms.
  4. Funding: Access cash quickly to support your business operations.
  • How can I get a working capital loan for my business?

    You can apply online in minutes or speak with our team for guidance. We review your business profile and present options that fit your cash flow needs.

  • Do equipment finance companies offer cash loans?

    Yes. In addition to equipment financing, we provide capital loans to help businesses manage cash flow, repairs, and growth opportunities.

  • What is a capital loan vs. an equipment loan?

    A capital loan provides cash for general business use, while an equipment loan is tied to purchasing specific equipment. Both serve different but complementary purposes.

  • Can I qualify with less-than-perfect credit?

    We consider a wide range of credit profiles and look at the full picture. If needed, we offer guidance to help you become loan-ready.