Nonprofit SBA lender First Capital Finance/Florida First Capital operates as a nonprofit Certified Development Company (CDC) working with private lenders to provide SBA 504 loan financing, presenting a steady channel for cross-selling related small business financing products and government-backed loan programs in Florida, Alabama, and Georgia.

Affordable long-term financing The SBA 504 program offers up to 90 percent financing with long amortization terms and below-market fixed interest rates, creating a compelling selling point for small businesses looking to acquire real estate, finance equipment, or fund energy efficiency upgrades.

Green and equipment focus Loans can support energy efficient and green initiatives as well as heavy machinery purchases, signaling opportunities to bundle with regional green financing programs and sustainability-focused sales pitches to manufacturing and service-sector clients.

Regional reach FCF/FFC serves Alabama, Florida, and Georgia, expanding the potential client base for expansion financing and multi-state growth projects, especially for small manufacturers and real estate developers seeking scalable, long-term debt solutions.

Growth-financing alignment With revenue in the tens of millions and a mission aligned to job creation and economic development, there is potential to align with local business ecosystems, chambers, and economic development partners to source deal flow and offer targeted loan programs like Rebuild Florida and industry-specific financing.