As mentioned, our Small Business GROWTH Loan is unsecured and does not require collateral as security, as a result our cost for capital is higher compared to bank term loans, with our cost for capital ranging from as low as 8% for a 6 month to 24 month short term cycle utilizing our risk based pricing model. Besides our low fico score cut-off (520), we also take into account your industry.


  • In terms of industries served, we have a very large group of industries that are on our "approved" list rather than having a host of industries on our "restricted" listings similar to that of conventional banking sources. Our underwriting criteria welcomes most industries and only restricts those in the finance, insurance and some areas of the business consulting sector. The reason those industries are restricted is due to the nature of their operations in terms of how we structure our approval procedures.
  • From the Retail Sector, Restaurant, Service and Manufacturing Sectors, we strive to serve small business owner-operators in a variety of industries. Our core target market includes small businesses with 1-20 employees, up to $5 million in gross sales and with involvement in virtually any industry except the finance/insurance sectors. We call these individual entrepreneurs, "small business owner-operators," and they are the core of our operational focus, product niche and platform establishment. 
  • Alternative financing sources will play a bigger role in the growth, development and sustainability of small businesses than ever before in the 21st Century. Traditional lending excludes many small businesses in our target industries and as a result, when a small business stumbles upon strategic growth initiatives or emergency circumstances, our sources might be one of the only reliable sources available.

If you are in a position of growth, development or sustainability, contact 1st Capital Loans today to begin a free high quality consultation on how our Small Business GROWTH Loan can fulfill the objectives that your operations has currently. Our funding sources range from as low as $10,000 to as high as $5 million with risk based pricing and short term cycles from as low as 6 months to 24 months. 

After reviewing our solutions and resources, email us at to begin our free consultation. Our professionals will provide a customized package for your needs. We look forward to helping you grow, develop, and sustain your business!