Financing at the speed of business.
Faster than banks. Simpler than the rest. Equipment funded in hours, not weeks — for the businesses that run on it and the vendors who sell it.
Based on 15 reviews
Ready to see your financing options?
Capital that works around your operating plan.
Preserve cash, get essential equipment in place, and choose a structure aligned with how your business earns.
Application-only financing up to $500,000
Move ahead without financial statements on qualifying transactions, with approvals designed to keep a time-sensitive purchase moving.
Keep cash in the business
No down payment means working capital stays available for payroll, inventory, and growth.
Match payments to timing
Choose from 12–72 month terms and ask about deferring payments for up to three months.
Plan around Section 179
Get guidance on financing structures that may support your tax strategy. Confirm eligibility with your tax advisor.
Put qualifying equipment to work—and potentially deduct it this year.
Section 179 may let eligible businesses deduct the cost of qualifying equipment in the year it is placed in service, even when the purchase is financed.
Tax rules and eligibility depend on your circumstances. Consult your tax advisor before making a purchase or tax decision.
See what a monthly range could look like.
Adjust equipment cost and term to create an illustrative planning range before speaking with a financing specialist.
60-month illustrative term
Terms shown are for illustration purposes only. Actual final approved terms vary by credit, equipment, and size of transaction. Additional information may be required. This is not a commitment to lend, a credit approval, or a binding offer.
Built around the equipment behind the business.
Explore eight focused industry page previews, including the new Food Manufacturing & Packaging Equipment page.
Audiovisual Equipment
LED walls, production systems, audio, lighting, and integration.
WISP / Wireless ISP Equipment
Radios, towers, backhaul, networking, and customer equipment.
CNC Machines
Mills, lathes, automation, tooling, and support equipment.
Office Furniture
Desks, seating, workstations, storage, and conference rooms.
Test & Measurement Equipment
Analyzers, scopes, calibration, metrology, and lab systems.
Food Manufacturing & Packaging
Processing, filling, sealing, labeling, inspection, and conveyors.
Technology & IT
Servers, storage, networking, security, and workstations.
Church Financing
Audio, video, lighting, seating, security, and facility equipment.
From equipment quote to a clear decision.
A responsive process that respects the speed of small business.
Share the equipment and goal
Tell us what you are buying, the timing, and what matters most in the structure.
Review the options
Compare practical term and payment choices with a financing specialist.
Put the equipment to work
Complete documentation, coordinate with the vendor, and move forward.
Make financing part of the way you sell.
Give customers a practical payment path at the point of decision, while your team stays focused on the equipment and the relationship.
Trusted when timing and clarity matter.
A refreshed testimonial experience keeps authentic client voices front and center.
“First Option Capital was able to secure fast financing for our startup so that we could get server hardware ordered for our client ASAP. We worked with Brandon – who above being highly professional, gave impartial advice, was attentive, and concierge throughout the whole process.”
Kevin D.
“We have used Brandon for financing options for many of our business needs over the past 3 years and he has been honest about what he can deliver. A great help to small businesses.”
Dorika B.
Know the basics before you call.
Every transaction is different. These answers make it easier to identify the right questions for your business.
Start with a five-minute conversation.
Talk through your equipment, timeline, and financing priorities with First Option Capital.
Let’s talk about what your business needs next.
First Option Capital, Inc., 1 Wrigley, Irvine, CA 92618.