Commercial financing · Working with business owners nationwideQuestions? [email protected]
Underwriting questions [email protected]
Commercial finance•Fixed cost, stated upfront

Commercial capital, transparent terms, no surprises at signing.

First Valley Capital arranges revenue-based financing and working capital facilities from $10,000 to $1,000,000+. Cost is fixed at signing as a factor rate rather than compounding interest — no equity dilution, and no personal collateral encumbrances.

Apply for capital Explore capital options

Single point of contact

One file, one named person. You are not passed between desks while your quote goes stale.

Fixed factor rates

Total remittance is fixed on signing. No floating interest, compounding or hidden points.

No credit-score impact

Qualification uses soft data verification and never affects personal credit scores.

Statements, not collateral

Decisions read deposit stability and operating cash flow, not pledged real estate.

Capital options

Three structures, chosen by cash flow.

Which one fits is a question about how money actually moves through the business — not about which product we would rather place.

Cash-Flow Aligned

Revenue-Based Receivables Purchase

Working capital where remittance obligations scale with gross commercial sales.

  • No fixed monthly debt burden or rigid amortization maturity dates
  • Remittances automatically contract during slower sales periods
  • Underwritten on deposit stability rather than personal collateral
  • No real estate encumbrances, blanket liens or equity surrender
Facility Up to $1,000,000Speed Funded in 24–48 hours
Fastest Settlement

Commercial Working Capital Facility

Short-term liquidity engineered to bridge operational demands.

  • Capitalize on supplier trade discounts before they lapse
  • Satisfy payroll through long billing cycles
  • Secure bulk inventory ahead of price increases
  • Written term sheet delivered within three business days
Facility $10,000 – $500,000Speed Same-day wire option
Asset-Backed

Equipment & Expansion Capital

Extended structures for machinery, fleet, technology and second sites.

  • Finance heavy machinery and corporate fleet acquisition
  • Technology infrastructure and secondary facility leases
  • Without depleting existing commercial credit lines
  • Sale-leaseback where equity is trapped in owned equipment
Facility $25,000 – $1,000,000+Speed 48–72 hours
Process

Three steps, measured in days.

01

Submit the file

About eight minutes and three months of business bank statements. Qualification uses soft data verification and never touches personal credit.

02

Underwriting review

Read against deposit stability and operating cash flow, not a credit score alone. Questions come back the same day.

03

Terms in writing

A written term sheet with the total cost fixed at signing — no floating interest, compounding or undisclosed points.

Sectors

Where this works best.

Construction & SubcontractingHealthcare & Specialized MedicalCommercial Retail & E-CommerceTransportation & LogisticsRestaurants & Hospitality GroupsManufacturing & IndustrialProfessional & Business ServicesAutomotive Sales & Repair

Three statements and eight minutes.

Start the file now and an underwriter reads it the same day. Applying does not affect your personal credit.

Begin application