Working Capital
Fast cash for the day-to-day and the next big push.
- Revenue-based funding (MCA)
- Business term loans
- Lines of credit
- All credit profiles considered
Amount$10K – $1M
Speed24–48 hrs
Fort Lauderdale, FL · Funding businesses nationwide
Capital that moves at the speed of your business.
Working capital, equipment, and real estate financing. One application puts your deal in front of the lenders that fit it, and we help you pick the best terms.
What do you need funded?
Pick one to start. Takes about 3 minutes.
Working capitalCash for growth, payroll, inventory
→
EquipmentFinance or lease, new or used
→
Real estateInvestment & commercial property
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No cost to apply · Soft credit pull · No obligation
$10K – $25MFunding range
24–48 hrsTypical working capital funding
3Ways to fund your business
$0Cost to apply
Funding options
Three ways to fund what's next.
Whether you need cash this week, a new machine, or the next property, we match you with the right lender for the job.
Get working capital
Equipment
Get the machine now, pay for it as it earns.
- Equipment financing
- $1 buyout & FMV leases
- New, used, or private sale
- Sale-leaseback
Amount$10K – $5M
Terms24–84 mo
Real Estate
For investors, builders, and business owners.
- DSCR rental loans
- Fix & flip and bridge
- Ground-up construction
- Commercial purchase & refi
Amount$100K – $25M
Terms6 mo – 30 yr
Programs
The details, side by side.
Each program is underwritten differently. Here's what each one is for and what lenders look at.
Program
Use it for
Typical term
Based mainly on
Revenue-based funding
Use it for
Fast working capital repaid as a share of future sales
Typical term
3–18 months
Based mainly on
Bank deposits and sales history
Business term loan
Use it for
Expansion, hiring, inventory, refinancing
Typical term
6–60 months
Based mainly on
Cash flow, time in business, credit
Line of credit
Use it for
Draw as needed for cash-flow gaps; funds replenish
Typical term
Revolving
Based mainly on
Revenue and credit
Program
Use it for
Typical term
Based mainly on
Equipment financing
Use it for
Own new or used equipment with fixed payments
Typical term
24–84 months
Based mainly on
The equipment, credit, time in business
$1 buyout lease
Use it for
Fixed payments, then own it for $1
Typical term
24–72 months
Based mainly on
The equipment and credit
Fair market value lease
Use it for
Lowest payment; return, renew, or buy at the end
Typical term
24–60 months
Based mainly on
The equipment's resale value
Sale-leaseback
Use it for
Free up cash from equipment you already own
Typical term
24–60 months
Based mainly on
Equipment value and cash flow
Program
Use it for
Typical term
Based mainly on
DSCR rental loan
Use it for
Buy or refinance 1–4 unit and small multifamily rentals
Typical term
30-year fixed options
Based mainly on
Rent vs. payment. No personal income docs.
Fix & flip
Use it for
Purchase plus renovation funds in one loan
Typical term
6–18 months
Based mainly on
Price, rehab budget, after-repair value
Bridge loan
Use it for
Close fast now, refinance or sell later
Typical term
6–36 months
Based mainly on
Property value and exit plan
Ground-up construction
Use it for
New single-family, townhome, and multifamily builds
Typical term
12–24 months
Based mainly on
Plans, budget, builder experience
Commercial purchase & refi
Use it for
Multifamily 5+, retail, office, industrial, mixed-use
Typical term
5–30 years
Based mainly on
Property income and borrower strength
How it works
One application. Several lenders. Your pick.
Apply
Tell us what you need funded. About 3 minutes, no cost, no obligation.
We shop it
Your specialist matches the request to lenders whose programs fit your deal.
Compare
See rate, term, payment, and total cost side by side, explained in plain English.
Get funded
Sign electronically. Funds go to your account, the equipment vendor, or title.
Why First Source
Someone on your side of the table.
A bank can only offer its own products. We compare across many lenders and work for you, not them.
More options
Programs for strong credit, rebuilding credit, startups, used equipment, and properties banks pass on.
Full transparency
We show the total cost of every offer, not just the payment, so you can compare fairly.
No upfront fees
Never a fee to apply or see offers. Any costs are disclosed in writing before you sign.
Built for speed
Working capital in 24–48 hours. Many equipment approvals on the application alone.
One specialist
One person from application to funding. Not a call center.
Local roots, national reach
Based in Fort Lauderdale. Funding businesses and properties across the U.S.
Do you qualify?
Typical starting points.
Every lender is different. These are common minimums. Apply even if you're close.
Working capital
- Time in business
- 6+ months
- Monthly revenue
- $15K+
- Credit
- All profiles
- Documents
- 3–4 months bank statements
Equipment
- Time in business
- Startups considered
- Credit
- Most profiles
- Down payment
- Often $0–10%
- Documents
- Application + quote
Real estate
- Property
- Investment / commercial
- Leverage
- Up to ~80% LTV
- Borrower
- LLC or corporation
- Documents
- Address, price, rent or budget
FAQ
Questions, answered.
Are you a direct lender?
No. First Source Lending is a broker. We work with a network of third-party lenders, lessors, and funding companies. The provider you choose makes the final decision and sets the terms.
Will applying hurt my credit?
No. Pre-qualification uses a soft inquiry. A lender may run a hard inquiry only if you choose to move forward with a specific offer.
How fast can I get funded?
Working capital often funds in 24–48 hours after approval. Equipment typically takes a few days. Bridge and fix & flip loans can close in 2–3 weeks; larger commercial loans in 30–60 days.
What's the difference between revenue-based funding and a loan?
Revenue-based funding (a merchant cash advance) is the purchase of a portion of your future sales, not a loan, and payments flex with your revenue. A term loan has fixed payments and an interest rate. We explain the total cost of each so you can compare directly.
Should I lease or finance equipment?
Financing means you own it and build equity. Leasing keeps upfront cost and payments lower and makes upgrades easier. Tax treatment differs, so check with your accountant. We'll quote both.
Do you finance homes I live in?
No. Real estate financing is for investment and commercial property only. We don't arrange mortgages on owner-occupied homes.
Do you charge fees?
Never to apply or receive offers. Any broker compensation is paid at closing and disclosed to you in writing before you sign.
Your next move is one application away.
No cost to apply. A funding specialist reviews every request personally, usually the same day.