- Business Loans
- For Professionals
- For Special-Use
- Why 1CL?
**SBA Offering 3 Months Of No Payments AND No Guarantee Fees**Learn More
A Working Capital Loan provides your business the cash it needs to keep growing until you can cover all operating expenses out of revenue. Even in this tough credit environment, 1st Commercial Lending is the premier source of working capital for professional practitioners. A Working Capital Loan is the perfect program for the business owner that needs cash quick. A very popular option, the Working Capital Program gives you the flexibility to use the funds when and where you need them most.
In order for your business to meet the eligibility requirements for a Working Captial Loan, the Loan-To-Value ratio must be below 85% with sufficient debt service coverate ratio. This means that the cash flow from the business should be able to cover the business debt needs as well as the doctors personal debt needs.
At 1st Commercial Lending, we pride ourselves on guiding each client through the often challenging and confusing process of Business Financing. Our Business Loan Advisors have over 35 years of combined lending experience and will work with you to evaluate the financial feasibility of the opportunity you are considering.
“1st Commercial Lending helped me in finding the best terms that I was able to get from any lender, and then saw the process through all the way to closing the deal, capably answering all of my questions and concerns along the way.
Of all of the lenders that I came across in this search, I found David to be the most knowledgeable and resourceful; he had thorough knowledge of his industry.
If you have a need for financing the purchase of an agency I would highly recommend that you put 1st Commercial Lending on the "short list" of lenders that you need to give strong consideration to working with.”