Florida First Capital Finance Corporation, Inc.
Florida First Capital Finance Corporation, Inc. is an active SBA lender in Florida, a bank offering SBA-guaranteed small-business loans. Currently rated 4.0 stars across 5 Google reviews.
$4.0B
in SBA approvals since 2010
4,440
SBA loans funded
Hotels & Lodging · Restaurants & Food Service · Manufacturing
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About Florida First Capital Finance Corporation, Inc.
Florida First Capital Finance Corporation, Inc. offers specialized financial services to support small businesses through SBA loan programs, including the popular 7(a) loan program. Located in Tallahassee, FL, this institution provides funding options tailored to meet the needs of entrepreneurs and small business owners seeking capital for growth, working capital, or acquisition purposes. With a focus on community development and economic growth, they facilitate loans that help businesses expand and create jobs. Their expertise in SBA lending ensures a smooth application process, guiding clients through every step from application to funding. They serve a broad range of industries, emphasizing their commitment to diverse economic sectors. Whether you're starting a new venture or expanding an existing business, they are equipped to assist with flexible lending solutions that align with your business goals. Their team is dedicated to providing personalized service, understanding the unique challenges faced by small businesses in Florida and beyond. They also support microloans and other SBA programs to ensure comprehensive financial assistance for various business stages. Contact them today to explore how their SBA loan programs can help your business thrive in a competitive marketplace.
Industries Florida First Capital Finance Corporation, Inc. finances
Business types Florida First Capital Finance Corporation, Inc. actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about Florida First Capital Finance Corporation, Inc.
What is this place and what can I find here?
This is a financial institution that provides SBA loan programs to small businesses, helping them secure funding for growth, expansion, and operational needs. You can find assistance with various SBA-supported financing options tailored to your business requirements. Their team offers guidance throughout the loan process to ensure a smooth experience.
Do I need an appointment or can I walk in?
It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, but walk-ins are also welcomed if staff availability permits. Calling ahead can help you prepare and receive personalized service.
What are the hours of operation?
The typical hours are Monday through Friday, 9:00 AM to 5:00 PM. However, it is advisable to contact the branch directly for specific hours or after-hours appointments.
Is there a fee to use this?
There are no fees for simply inquiring or applying for SBA loans, but certain service or processing fees may apply depending on the loan type and terms. Always review the fee structure with a loan officer before proceeding.
Who is this open to — anyone, or only residents/members?
This institution primarily serves small business owners and entrepreneurs within Florida, but eligibility depends on meeting SBA program requirements and credit criteria.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of 620 is generally preferred, but higher scores may improve loan terms and approval chances.
How long does the traditional underwriting process take from start to close?
The underwriting process typically takes between 30 to 60 days, depending on the completeness of your application and the specific loan program.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and Florida First Capital Finance Corporation, Inc. typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Florida First Capital Finance Corporation, Inc. to confirm current weekend availability before you go.
How do I get there and where do I park?
Florida First Capital Finance Corporation, Inc. is located in Florida — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for Florida First Capital Finance Corporation, Inc., an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Florida First Capital Finance Corporation, Inc. itself, which runs its own lending under its own ownership. If you work at Florida First Capital Finance Corporation, Inc., you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for Florida First Capital Finance Corporation, Inc. — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Florida First Capital Finance Corporation, Inc. before applying. If you represent Florida First Capital Finance Corporation, Inc., claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach Florida First Capital Finance Corporation, Inc. by phone at (888) 320-5504 or online at ffcfc.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Florida First Capital Finance Corporation, Inc. before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, Florida First Capital Finance Corporation, Inc. most often finances businesses in medical practices & clinics. This reflects Florida First Capital Finance Corporation, Inc.'s real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Florida First Capital Finance Corporation, Inc. which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Florida First Capital Finance Corporation, Inc. participates in SBA Express depends on its specific SBA lending authority. Contact Florida First Capital Finance Corporation, Inc. and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Florida First Capital Finance Corporation, Inc. can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Florida First Capital Finance Corporation, Inc.'s appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Florida First Capital Finance Corporation, Inc. directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Florida First Capital Finance Corporation, Inc. what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Florida First Capital Finance Corporation, Inc. to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Florida First Capital Finance Corporation, Inc. to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Florida First Capital Finance Corporation, Inc. weighs this case by case under its own policy, so be upfront about your history and ask Florida First Capital Finance Corporation, Inc. how it evaluates prior bankruptcies.
