About First Down Funding

Small Business Funding in the United States

Speak to one of our qualified and seasoned Small Business Funding Managers to better understand what funding options and approvals we have for your small business.

Small and medium-sized businesses are the driving force behind the United States economy. First Down Funding is an American business funder located in Maryland who is passionate about making small business funding accessible to these organizations and their owners.

Small Business Funding

Spring Funding through First Down Funding

Fixed Funding through First Down Funding

WHAT WE DO: Accessible Small Business Funding

First Down Funding is committed to making financing and business growth accessible to the small businesses in America that are consistently let down by traditional financing methods.

We give small businesses what they really need to attain success — not an off the peg option, but a real, customized solution that works.

We offer a spectrum of small business funding programs to meet the varying needs of new business owners. Our small business funding services are available all across the United States, from Annapolis, MD, all the way down to Boca Raton, FL, to the ‎Middle East in Chicago, IL and all along the West Coat including California. First Down Funding offers unique and custom Business Funding approvals all throughout the USA in all 50 States, as well as Washington, DC.


First Down Funding© provides small businesses with effective business financing solutions by leveraging strategic partnerships, data science, cutting edge technology and in-depth consultations.

While traditional funding providers rely on collateral or standard financial metrics when working with businesses, we do things differently. With our innovative approach to funding, we are able to provide small businesses with the tools they need to grow and expand.

There is no one-size-fits-all solution to small business funding, which is why we work closely together with small businesses to create personalized business financing solutions. We use your future projections to create a funding package and repayment schedule that is feasible for you.

First Down, Jacoby Jones & C.J. Mosley

We work closely with you to understand your needs and to make sure that they are met every step of the way. When you work with us, you can have peace of mind that:

1. When you apply online, our process will give you a simple and direct route to the funding you need.

2. We offer flexible terms to suit the growing needs of small businesses.

3. We treat you like a partner, not a transaction.


We Support Women Owned Businesses And Their Contribution To The Small Business Community.


The PlayBook by First Down Funding
Overview, Calculations and Case Study

FIRST DOWN FUNDING: Fast, Secure Small Business Funding

Every small business has unique needs when it comes to business financing, which is why we offer funding solutions that are not just accessible, but flexible too.

We’ve designed our process to provide businesses with the funding they need safely, securely and easily:

Fast & Simple Experience: Our online application and approval processes are straightforward and highly effective. With our easy application process and fast approval rates, we make it so that you can get the funding you need, when you need it.

Focused on Working Capital: Working capital is the financing your business needs on-demand to proceed with day to day options. We make it so that you can attain these funds within 72 hours of your approval.

Service & Support: Our business financing services are personalized so that your business’s unique needs are met. We work with you personally to ensure you are supported at every turn.

Get Funded

are you looking for revenue based funding?

We can design a funding program for your small or medium sized business.

Learn more


There are countless reasons why a small business may have less-than-stellar credit, but the outcome is always the same. With bad credit, it’s harder to get approved for traditional small business funding.

Funders and credit reporting agencies alike have different ways to define bad credit — and when left up to interpretation, poor credit rarely benefits the side of a small business owner. Even when a small-business owner has a good personal credit score, a bad credit score or limited credit history can ruin a new company’s chance of obtaining funding.

Fortunately, alternative small business funders like First Down Funding can get businesses back on track by providing them with access to bad credit business funding.

Bad credit business funding can help owners out of a jam when they need it most. After The cash obtained from bad credit business funding can kick-start your business’s growth and help get your finances back on track.

There are various ways that small business owners can approach obtaining funding if they are struggling with bad credit:

1: Accept a Smaller Funding Amount: If your business can get by with a smaller funding amount, consider applying for a smaller funding. The reality is that it’s easier to get approved for a smaller amount than for a larger business funding.

2: Pledge Cash as a Down Payment: Poor credit doesn’t always mean a lack of cash. If your small business has substantial cash flow, consider pledging a down payment in cash to secure business funding.

3: Sign a Personal Guarantee: It’s common for a business owner to have good personal credit but poor business credit. If this is you, consider signing a personal guarantee to weigh your funding on your personal ability to pay off the financing, rather than your business’s.

4: Provide Assets or Collateral: Weigh your business financing on collateral or assets like unpaid invoices or future transactions rather than your credit score.

Get your business out of a jam. Apply online for your bad credit funding!

HOW IT WORKS: Apply Online For a Business Funding Today

Apply online in just a few minutes
Our system evaluates your business and typically provides a decision in minutes
Sign your contract and receive money in as fast as 24 hours


It’s hard for small businesses to attain business funding even when they have good credit. Traditional institutions set strict requirements and elongate the application process with paperwork and gruelling appointments.

Lengthy processes and unrealistic expectations have made it increasingly hard for small businesses to get the financing they need to expand and maintain daily operations.

Banks focus on a business’ credit and cash flow without realistic expectations of what small businesses can achieve. Fortunately, First Down Funding is an alternative American business Funder that prevents small businesses from having to jump through hoops to attain funding.

With First Down Funding, you can apply online and receive an approval within the same day! We eliminate the waiting and the nuisance of in-person meetings. We understand that small businesses don’t necessarily have the luxury of waiting for funds when they have a timely opportunity to take advantage of.

Based in Annapolis, Maryland, we make small business funding and business funding accessible all across Maryland and all 50 States throughout the United States. We are committed to making that the small businesses in the United States can get the funding they need when they need it.

Consider how our process differs from other financial institutions:

Big Bank Financing First Down Credit Cards Government
Funding $100,000+ $1,000 - $300,000 Credit Based Credit Dependent
Process Long Application Credit Inspection Business Plan Industry Specific Prequalify Online Soft Credit Pulls Same Day Approval All Industries Accepted Prequalify Online Hard Pulls 3 - 10 Days Approval Long Application Credit Inspection Business Plan Needed Industry Specific
Approval 20 - 30 Days+ Same Day 5 - 21 Business Days 30 - 90 Days+
Funding Time 30 - 60 Days+ 36 - 48 Hours TBD / TBA 60 - 90 Days+
Approval Criteria Credit Score & Collateral Overall Business Health Credit Score Credit Score & Collateral