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First National Capital Equipment Financing Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

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First National Capital Equipment Financing ReviewWhen operating a business, it’s important to always make sure your equipment is functioning properly and up-to-date. If you are not constantly servicing your equipment or taking care of it, it may lead to breakdowns and loss of profits. With that being said, if your equipment is starting to get older, it may be time for an upgrade!

This is where First National Capital comes into play – an equipment financing company willing to help potential business owners finance their future.


First National Capital is a well known financial institution in the United States, promoting a strong reputation and customer service background. Those who have worked with this company have mentioned their great customer service and easy application process.


In our opinion, one of the biggest downsides to First National Capital is the lack of transparency on their website regarding their rates and fees. We understand it may be difficult to provide exact numbers; however, for potential clients who are looking to compare rates, it would be nice to offer, at minimum, estimated or month-by-month rates; even a payment calculator would be helpful!

Loan and Lender Information

First National Capital Corporation is a large financial institution providing both equipment and project financing services to business owners in the United States. Today, the company is known in the US as one of the largest independent equipment financial companies, boasting nearly $2.0 in funding for medium-to-large companies. First National Capital offers their support to the following industries:

  • Aviation
  • Construction
  • Food Processing
  • Healthcare
  • Industrial Manufacturing
  • Metals, Mining and Energy
  • Private Equity
  • Retail
  • Technology
  • Vendors

So, whether you are looking for equipment, project, vendor, or aviation financing, First National Capital is willing to work with you, providing the solution that many other companies may not offer.

Rates and Fees

Currently, the First National Capital website does not offer any information regarding specific rates and fees surrounding any of their services. For some business owners, this may be a deterrent. Now, in our opinion, one unique feature with First National Capital is that they share with potential clients their recent investments in other businesses, demonstrating their budget, dedication, and expectancies. If you are looking to learn about estimates or specifics, you may need to move forward to the application section or contact the company through the email or phone number available at the top of

Application Process

The application process for First National Capital is straightforward and easy. To begin the application process, visit their website and click on the NEED FINANCING? Option at the top of the menu bar. From there, you will need to fill-out the form where you can begin scheduling your next correspondence to discuss financial options, rates, and fees. After this step, it’s all up to the credit check!


First National Capital is a significantly large financial entity in the heavy equipment financing and project financing field. With that being said, the company has a large budget, ensuring that no matter the request, FNC is ready and willing to help out. Now, the biggest thing to keep in mind is that the company does not reveal their estimated rates and fees, making it hard to draw comparisons between companies. With that being said, before moving forward with any contracts, be sure to do thorough research to secure the best deal.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


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