Comprehensive Financing Programs

Commercial Capital Engineered for Your Growth

From same-day working capital advances to $50M commercial real estate mortgages, Business First Consulting packages funding around your business's true cash flow and asset equity.

Estimate Payments Compare All Programs

Financial Planning

Capital Payment & Terms Estimator

Model your capital facility requirements and estimate monthly repayment obligations based on funding type and duration.

Funding Facility Type

Capital Requested ($)

Repayment Term (Months)

Estimated Monthly Obligation

$14,750

Total Repayment: $177,000

Factor Rate: 1.18

Lock in This Capital Amount

Fact Density Matrix

Commercial Funding Program Comparison

Compare key underwriting metrics, funding capacities, approval timelines, and qualification minimums across our lending portfolio.

Program	Facility Amount	Approval Speed	Term Amortization	Credit Guideline	Primary Qualifications	Action
Merchant Cash Advance (MCA) Working Capital	$10,000 – $2,000,000	24 Hours	3 to 24 Months	500+ (All Profiles)	4 mos bank statements, $15k/mo gross revenue	Apply Now
Commercial Real Estate (CRE) Mortgage & Bridge	$250,000 – $50,000,000	2 to 4 Weeks	5 to 30 Years	620+	Property appraisal, rent roll, 1.20+ DSCR	Apply CRE
SBA 7(a) & 504 Loans Government-Backed	$50,000 – $5,000,000	3 to 6 Weeks	10 to 25 Years	650+	2 yrs tax returns, profitable P&L, clean history	Inquire
Equipment Financing Asset-Backed	$25,000 – $1,500,000	48 Hours	2 to 7 Years	580+	Equipment invoice, vendor quote, bank statements	Apply
Invoice Factoring Receivables	$20,000 – $3,000,000	48 to 72 Hours	Revolving (30-90 Days)	Credit of Account Debtor	B2B verifiable accounts receivable invoices	Factoring
Debt Restructuring Advisory Consulting	Custom Scope	Immediate Review	Flexible Retainer	Any Credit Tier	Active debt schedule, creditor statements	Book Advisory

Detailed Breakdown

Explore Specific Capital Facilities

1. Merchant Cash Advances & Working Capital

Same-Day & Next-Day Liquidity Deployment

Start MCA Application

Merchant cash advances provide immediate liquidity based on future business revenues rather than traditional balance sheet collateral. Repayments fluctuate flexibly with your sales volume through automatic daily or weekly ACH deductions, ensuring cash flow stays aligned during seasonal lulls.

Facility: $10k to $2M+

Underwriting: 24-hr term sheet

Paperwork: 4 months bank statements

2. Commercial Real Estate (CRE) Financing

Acquisition, Refinance, Cash-Out & Construction

Start CRE Application

Backed by institutional lending partners including Velocity Mortgage Capital and Silverhill Capital, we provide debt structuring for multifamily (5+ units), commercial office parks, retail strip malls, industrial warehouses, and mixed-use properties. Both owner-occupied and non-owner occupied investor facilities are funded.

Loan Size: $250k to $50M

LTV: Up to 75% – 80%

Terms: 5 to 30 year amortizations

3. SBA 7(a) & 504 Government-Backed Programs

Low Down Payments & Prime-Tied Interest Rates

Speak with an SBA Advisor

SBA loan programs offer the most advantageous terms available for established companies. We assist you in packaging your business plan, historical tax returns, personal financial statements, and projections to secure approvals from preferred SBA lending partners.

Maximum Facility: $5,000,000

Down Payment: Low 10% to 15%

Maturity: Up to 25 years

4. Strategic Debt Advisory & Balance Sheet Restructuring

Creditor Mediation & Cash Flow Optimization

Book Consulting Call

If stacked merchant cash advances or high-frequency debits are strangling operating margins, our advisory practice steps in. Under limited power of attorney, we negotiate directly with creditors, structure extended amortization workouts, and consolidate liabilities into manageable monthly facilities.

Engagement: Retainer & success-based

Objective: Cash flow recovery

Integrations: Bank-Ready AI Platform

Have Questions About Which Program Fits Your Business?

Connect with dedicated processor Diane Cintron directly at (302) 300-4388 or request a confidential loan analysis online.

Apply for Funding Call (302) 300-4388