The answer for businesses with cash flow issues
When cash flow is the problem (not sales), it is often impossible, not to mention unwise, to borrow in order to solve temporary cash flow problems. Burdening the company with more debt or selling off a part of the company during such times seldom offers a real solution. When a business is undercapitalized, it makes no difference how strong sales are or how many customers require your services; the need for cash exists right now, not 45-60 days when the invoice is paid. 1st Capital Corp can convert all of your current and 30-90 day accounts
receivable to an effective "cash sale", without changing any of your terms to your clients. Imagine the many advantages your company if all your billings were paid the same day you invoiced.

With immediate cash, you can purchase inventory today, meet payroll, expand or even renovate. Small, mid-size and growing companies can solve cash flow problems and achieve sustained growth using our simple and fast accounts receivable factoring program. Our executives have over 30 years of business experience in receivable factoring and have handled over a billion dollars in financial transactions. We are committed to excellence and pride ourselves on speed, accuracy, privacy and professionalism. Business owners, attorneys, investment bankers, consultants, bankers and accountants find us very helpful and recommend us to their clients because we offer:
  • Fast cash funding from $75,000 to $2,000,000 monthly on receivables
  • Purchase of accounts from any business type, including construction
  • Immediate cash of up to 80% of the invoice amount
  • Your choice of which invoices to finance/sell
  • Bank to bank wire transfers
  • Funding approval within 3-5 days of Application
In addition there are:
  • No legal fees
  • No closing costs
  • No operational audits
  • No personal guarantees
  • No tax returns required
  • No financial statements required
  • No minimum or long term contracts
For more information, please call our Irvine, California office at (702) 509-6141
For other methods of contact, visit the contact page.
Try matching your current business needs with the following summary of 1st Capital's services. Any YES answer warrants consideration of our accounts receivable factoring program!

1st Capital Corp's Services Your Current Needs
Instant cash flow (working capital)
Improved credit department
Accounts Receivable administration
Intermediate Funding
Bank loan repayment source
Cash flow for accounts payable
Cash for unusual growth or emergency
Weekly accounts receivable aging reports
Please submit this form or call us today and learn how 1st Capital Corporation can turn your Account Receivables into immediate working capital!

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Commonly Asked Questions

How long is the approval process?

Typically, we fund within 5 days of receipt of your application.

Will you fund businesses with a tax lien?

Yes, however we require an IRS subordination which we will obtain for your benefit.

How much does it cost to factor/finance my Accounts Receivable?

Our fee is as little as 2-3% of the invoice amount. Rates vary depending on size of the line, number of accounts, and complexity of the billing process.

How long does it take to receive funding on an invoice?

Typically 24 hours.

Do you purchase International Invoices?

Yes (on a limited basis).

Do you charge a fee for credit reports (D&B reports)?


Are personal financials required?


Do you provide Aging and Collection reports?

Yes, on a weekly basis.

Are tax returns required?


Do you fund businesses less than 3 years old?


Do you offer non-recourse factoring?


How do I qualify for 1st Capital's program?

  • If you provide a quality product or service to credit-worthy customers, you probably qualify!
  • If your cash needs are between $50,000 to $2 Million, you qualify!

What are 1st Capital's Terms?

  • No long-term contracts
  • No points
  • No line fees
  • No audits or lending covenants
  • No minimum line usage fees

What Documents are required with the Application?

  • A copy of your current Accounts Receivable Aging
  • A copy of your Articles of Incorporation (one page only)
  • A sample invoice

Do you charge an application fee?

Yes, but only after we submit a formal funding proposal with our commitment to fund.

Do you fund by check or bank wire?

All funding is done by bank wire.

Do you require our customers to remit payment to your lock box?


How often do you release our "Reserve" account?


How do I get started?

Contact us today!