We provide tailored financing and expert consulting to help you scale, acquire, and succeed. Skip the red tape and partner with advisors who understand your business.
Speak with processor Diane Cintron directly at (302) 300-4388. 10-minute expedited onboarding.
Recommended for Quick ReviewSelf-service 4-step secure application. Electronic signature with zero impact on credit score.
Not ready to apply yet? Use our AI diagnostic to fix credit issues, organize documents, and qualify for lower rates.
Whether you need fast-acting working capital to seize immediate inventory or long-term mortgage financing for commercial real estate, our advisory team structures funding around your cash flow.
Fast, flexible working capital based on your future revenue and daily receivables. Funds deployed in 24 to 48 hours with minimal paperwork.
Acquisition, refinancing, cash-out, or construction loans for owner-occupied and investment properties across all 50 states.
Government-backed financing delivering favorable long-term amortizations, competitive single-digit rates, and low down payments.
Strategic debt advisory to optimize operating cash flow, restructure expensive debt obligations, manage creditor terms, and prepare for institutional underwriting.
We don't treat businesses like transaction numbers. Our senior advisors take the time to evaluate your balance sheet, identify opportunities, and structure capital facilities that support long-term enterprise value.
A single dedicated advisor guides your file from initial analysis to final capital deployment.
Zero hidden broker add-ons or undisclosed surprise charges. You see all factor rates, APRs, and repayment mechanics up front.
Most working capital advances approve in 24 hours with disbursements executed directly via secure ACH.
Subprime credit or past collections? We leverage cash flow strength and institutional partner networks to find viable paths to capital.
"Working with Business First Consulting was a game changer for our contracting business. When traditional banks took 6 weeks just to request more paperwork, Diane Cintron and Todd had our working capital facility approved in less than 24 hours. The terms were transparent and the service was unmatched."
Every industry operates under distinct cash flow cycles, seasonal surges, and equipment requirements. We tailor capital deployment to your operational rhythm.
Capital for bulk food inventory, kitchen walk-in coolers, dining renovations, patio build-outs, and managing seasonal fluctuations.
Financing for peak seasonal inventory build-ups, new point-of-sale systems, e-commerce integration, and storefront leasehold enhancements.
Working capital to bridge payroll between milestone billings, procure commercial lumber/steel, and acquire heavy machinery.
Financing for specialized diagnostic equipment, dental chairs, private practice buy-ins, and bridging insurance reimbursement delays.
Capital for hydraulic vehicle lifts, diagnostic computer modules, spray booths, technician payroll, and fleet vehicle inventory.
Funding for luxury salon build-outs, aesthetic lasers, styling stations, high-margin retail product stock, and client acquisition marketing.
Get clear, direct answers regarding loan qualification, underwriting standards, documentation requirements, and repayment mechanics.
Working capital advances and Merchant Cash Advances (MCA) receive underwriting decisions within 24 hours of receiving your 4 months of operating bank statements. Once approved and contracts are executed, funds are wired or deposited via ACH directly into your operating account within 1 to 2 business days.
For Commercial Real Estate (CRE) mortgages and SBA loans, closing timelines typically range from 2 to 4 weeks, depending on property appraisals, environmental reviews, and title commitments.
Unlike rigid commercial banks that reject files below 680, Business First Consulting structures financing across all credit profiles. For our revenue-based working capital advances, approval is based primarily on your business gross monthly deposits (minimum $15,000/month), meaning applicants with scores in the 500s frequently qualify.
For SBA 7(a) and prime commercial mortgages, personal scores of 650+ are standard. If your credit is currently impaired, our Bank-Ready platform helps optimize your reports before submitting to institutional lenders.
For working capital advances up to $250,000, we require only two items: your last 4 consecutive months of complete business bank operating statements (all pages in PDF format) and a legible copy of your driver's license. No tax returns or collateral appraisals are required for initial term sheets.
You can securely upload files via our Document Upload Center or email them directly to team@businessfirstinc.com.
You can reach dedicated customer processing specialist Diane Cintron directly at (302) 300-4388 Monday through Friday, 9:00 AM to 5:00 PM EST. She can complete your entire application over the phone in approximately 10 minutes and provide immediate feedback on file requirements.
Business First Consulting, Inc. operates as a commercial capital consultancy, funding broker, and debt advisory firm. We maintain formal syndicate partnerships with premier institutional lenders (including Creditfy, Velocity Mortgage Capital, Silverhill Capital, and ARF Financial) to secure competitive rates and structures that individual business owners cannot access directly on open retail markets.
Apply online in minutes and speak with a funding specialist today. Get the capital you need to fuel your expansion, purchase real estate, and consolidate liabilities.