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SBA 504 lender serving Alabama, Florida, and Georgia with fixed-rate commercial real estate, equipment, and debt refinancing loans for small businesses.
Data compiled from public sources
Florida First Capital Finance (also operating as First Capital Finance) is an SBA 504 certified lender specializing in small business financing across Alabama, Florida, and Georgia. The company focuses exclusively on SBA 504 loan programs, which are government-backed financing solutions designed for established small businesses seeking long-term, fixed-rate capital.
The company offers a comprehensive suite of SBA 504 loan products including commercial real estate purchases/construction/expansion, machinery and equipment financing, commercial debt refinancing, green efficiency loans, and bridge financing. They also administer specialty programs like the Rebuild Florida Business Loan Fund (resiliency working capital) and the Florida Recycling Loan Program. Current SBA 504 rates (March 2026) range from 5.61% to 5.78% for terms between 10 and 25 years, with 25- and 20-year loans funding monthly and 10-year loans funding bimonthly.
What distinguishes Florida First Capital is their regional focus and listed loan products tailored to specific economic sectors and state initiatives. They provide up to 90% financing on qualified projects, offer both standard and refinance options without requiring business expansion, and maintain active partnerships with realtors, brokers, economic developers, credit unions, and lenders. Their case studies showcase diverse borrowers including veteran-owned breweries, hospitality properties, tile retailers, tackle manufacturers, and family businesses.
The company is best suited for established small business owners with existing operations seeking long-term, fixed-rate financing for significant capital investments. The primary caveat is that SBA 504 loans require substantial equity investment (typically 10% minimum), longer approval timelines than conventional loans, and eligibility restrictions based on business type, size, and use of proceeds. This is not a fast-funding option and requires substantial documentation and underwriting.
This is state-level context for Business Loans consumers in Jacksonville, FL. It does not confirm that Florida First Capital Finance or this specific location is licensed.
State regulator
Florida Office of Financial Regulation
Consumer protection
Status: Permitted
Rate context: 18% APR for loans under $500,000; no cap for loans $500,000 and above
Personal loans are regulated under Florida's usury laws (Fla. Stat. § 687.02). The Office of Financial Regulation oversees licensed lenders.
Status: Permitted
Rate context: Tiered rate caps under the Florida Consumer Finance Act (Fla. Stat. § 687.101-687.308): rates vary based on loan amount and structure; maximum rates generally range from 18-25% depending on loan size and repayment terms
Installment lenders must be licensed by the Office of Financial Regulation. The Consumer Finance Act establishes specific rate schedules for different loan amounts.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Florida First Capital Finance offers 12 services including SBA 504 Commercial Real Estate Loans (purchase, construction, expansion, renovation), SBA 504 Machinery & Equipment Loans (acquisition and installation), SBA 504 Commercial Debt Refinancing (with or without cash-out options), SBA 504 Green Loan Program (commercial real estate with environmental efficiency), 504 Bridge Loans (interim second mortgage financing for commercial projects), and 7 more.
Florida First Capital Finance has profile signals associated with Established small business owners purchasing or expanding commercial real estate with 10%+ equity available, Companies seeking to refinance existing commercial debt at lower rates without business expansion plans, Veteran-owned and minority-owned businesses looking for SBA-backed financing with lower-cost listed terms, Environmentally-focused businesses qualifying for the green efficiency loan program with sustainability initiatives.
Key strengths: Offers up to 90% financing on qualified commercial real estate and equipment purchases, reducing required equity from borrowers; Fixed-rate SBA 504 loans with terms up to 25 years, providing long-term payment stability and predictability; No expansion requirement for commercial debt refinancing, allowing existing businesses to refinance high-interest debt under the 504 program. Areas to consider: SBA 504 loans have longer approval timelines and require extensive documentation, making them unsuitable for businesses needing quick funding; Loans limited to three states only (Alabama, Florida, Georgia), excluding businesses in other regions.
In the Business Loans category, comparable providers include Automotive Fresh Start Center, Cocard, Dynamic Capital. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Florida First Capital is profile signals for established small business owners with significant equity (10%+) in Alabama, Florida, or Georgia seeking long-term, fixed-rate financing for commercial real estate, equipment, or debt refinancing. The main caveat is that SBA 504 loans require months-long approval timelines, substantial documentation, collateral requirements, and are incompatible with businesses needing fast funding or those outside the three-state service area.
Auto lender specializing in vehicle financing for consumers with challenged credit, active bankruptcy, or no credit history. Offers direct-to-door delivery and works with multiple lenders to secure approval.
Profile signals: Consumers in active Chapter 7 bankruptcy seeking to purchase a vehicle during the filing process, Recently discharged bankrupts (within 1-2 years) unable to qualify for bank/credit union auto loans
Payment processing network of owner-operated ISOs offering credit/debit card terminals, mobile processing, and merchant services since 1999.
Profile signals: Small retail and restaurant businesses seeking payment processing with lower overhead costs, Mobile vendors, food trucks, and outdoor event merchants who need wireless or portable terminals
Dynamic Capital provides revenue-based financing and business lines of credit up to $5M for small businesses, with funding decisions in under 5 minutes and cash delivery within 24 hours.
Profile signals: Growth-stage small businesses with consistent revenue needing flexible funding without collateral, Business owners with inconsistent monthly income who benefit from payment structures tied to actual sales
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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