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Small Business Funding
The Bank Only ACH Program can give you a quick source of cash and immediate business funding, without the hassle of dealing with a traditional bank or credit union.

Small Business Funding
The Best for your Small Business

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The Bank Only ACH Program by First Down Funding

Introducing First Down Funding’s Bank Only ACH Program. Bank Only ACH is a Merchant Cash Advance based on the amount of daily or weekly sales made by your business. The Bank Only ACH Program can give you a quick source of cash and immediate business funding, without the hassle of dealing with a traditional bank or credit union.

Working Capital Funding

Businesses have a predetermined percentage from each day, or weeks sales in order to repay the Merchant Cash Advance. What makes First Down Funding’s Bank Only ACH Program different and unique from a traditional business funding? Funding can be difficult to obtain. Even with good credit, traditional big bank financing can take far too long to receive funding.

First Down Funding’s Bank Only ACH is the perfect solution for instant cash and immediate business funding when your business needs it most. The payback terms for our business cash advances are easy, efficient and simple. A small percentage of your daily or weekly transactions are paid back to First Down Funding as you go. This means no surprises.

So, what separates First Down Funding’s Bank Only ACH Program from most Merchant Cash Advance policies? Most Merchant Cash Advance policies require your business to process credit cards as a form of payment. Your business may be eligible for a completely unsecured Business Cash Advance from First Down Funding for $500,000, or more.

First Down Funding is a leading pioneer within the Small Business Funding Industry. Our goal is to help businesses get the funding and financing they need, when they need it most.


We Can Design A Funding Program For Your Small Or Medium Size Business.


Get Approved for Small Business Funding today by First Down Funding! Apply Today!

Or Call our Office directly at (833) FDFUNDING

Apply for Bank Only ACH

Small Business Funding Benefits:

Quick access to capital

No credit impact to get a quote

Eliminate short term financial needs

Flexible payments based on daily sales instead of a fixed amount

Use Funds to

Buy new equipment

Manage short term capital needs

Purchase inventory

Bridge payroll


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


What’s the process?

Documents needed to apply

You only need FOUR things to get started:

Government-issued photo ID (Drivers License).

Voided check from your business checking account.

Last three statements from your business bank account.

Last three credit card processing statements.

First Down Conversions for Funding

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How Do I Qualify?

Generally, you will qualify for small business funding if you have an established business that is already generating revenue, and a good credit history. Small business funding comes in many different shapes and sizes, so the specific funding amount, fixed fee, total cost of working capital and length of the term will depend on your business financials and credit rating.

You can apply for small business funding online, or via one of our dedicated business advisors, and all we need to see is a government-issued ID (like a drivers’ license), a voided check from your business checking account, and the last three statements from your business bank account.

Small Business Term Funding Features

First Down Funding is the partner you can count on to help grow your business – the way you want.

Our team of dedicated business advisors (yes, they’re real people!) will work with you to figure out your goals before recommending a funding solution that’s tailored to your needs.

Apply for small business funding

I have been working with First Down Funding for 6 Weeks.

I have been working with Paul and First Down Funding for over a month now.

Everything is made so effortlessly, my business is thriving and I wouldn’t have been able to be where my businesses stands today without his help.

I am looking forward to continuing this relationship and seeing my business flourish even more.

I highly recommend reaching out to them for your financial needs.

Jessie T.
Vibrant Photos & Signage

2 Trucks Funding – First Down Funding approved me when I needed it most

I own 2 trucks and they kept breaking down, it was extremely difficult to make ends meet. Paul Pitcher & First Down Funding exceeded my expectations.

They gave me the business funding, no problem. I am extremely happy with the process. It saved my company! I highly recommend to anyone!!

Thank you Paul Pitcher!

Hectory Samuels
999 Trucking & Logistics

Testimonial – Great Work by Paul Pitcher and First Down Funding

I have been dealing with Paul Pitcher and his team for 2 years now and find them to be both professional and very quick.
They make the process a seamless as possible and treat you like family friend.
I refer them as often as possible.

Thank you First Down Funding & Paul Pitcher

HGS Bistro & Kitchen


Love the professionalism and experience ! Great process in place, plus the back to back within minutes to give you a resolution is beyond expectations!

Definitely a great company !

Broom Inc.


I couldn’t believe how easy and how helpful First Down Funding was when I needed a small business loan. I was looking for ways to fund some advertising for the upcoming summer months and wondered what options I had to make that happen. When I found First Down Funding online, I decided to go ahead and try it out and I was simply AMAZED at how easy and efficient it was. Everything was verified and I was able to receive my loan within no time…….if anyone can do it…….First Down Funding will fund…..

Andre B.
Window World Inc.

First Down Funding offered support financial and emotional

It’s no secret that this winter has taken a toll on many restaurants. Reduced income and increased bills. It was refreshing to be able to quickly qualify our operation and receive much needed funds that has provided the bridge to our continued future

Ping L.

First experience with First Down Funding

My first experience with First Down Funding went very smooth, much better than what I anticipated

Thank you for your help!

Ardella M.
Material Storage Systems

A very smooth and easy transaction for a small business loan!

I’ve been in business for over 20 years and because my business is seasonal, March through November, this was an easy way for my business to receive quick access to money to help our business begin the new year with inventory, marketing, and early payroll. I’ve done the traditional bank way before and its such a hassle despite having excellent credit and plenty of assets. I found First Down Funding to be extremely quick, excellent short-term payments with a fair interest on their investment. I will certainly be back again next year for my annual startup capital.

Leslie H.

Great software, professional service staff

For a growing business, our biggest need is bridging cashflow while we onboard new employees to increase capacity. With First Down Funding’s software, we were able to steadily and quickly (with a couple clicks of a button as we added revenue accounts) accumulate a viable revolving line to support our trajectory. The follow-up support from First Down Funding customer service was pleasant, informative and helpful.

The cost of cash here is comparable to a traditional bank. First Down Funding introduces some other value-adds, which, depending on your business priorities, may offset the possible 6- or 12-month terms I was approved for.

Wes L.

First Down Funding quick and easy.

I was hesitant to ever use First Down Funding; it is just such a hassle to borrow money. This was much faster and easier than I expected. Money was in my business bank account within minutes. This will be paid back very quickly, unlike a credit card that would drag it out for years, if you let them.

Alesha L.

Very easy process

First Down Funding is the easiest way to get the funding you need to grow your business!

Whitney F.

First Down Funding is the light at the end of the tunnel thanks to Paul Pitcher

I recently had to expand my business office. Being a new company, I was strapped for the cash necessary to accomplish the expansion. First Down Funding came to the rescue with the funds to help. The process was simple and took only minutes. I cannot thank them enough for their help and would recommend them to anyone in need.

First Down Funding is number one in my book.

Michaele H.

Excellent service, quick funding and easy payments

I am truly impressed with there no hassle loan and I had may funds in 2 days. Even though I was approved for over 9 months for a loan, they never hassled me and when I was ready to use the funds they were still there! Thank you for a seamless loan process First Down Funding.

Genesis D.

Very easy to work with – Paul Pitcher is the man!

quick and very easy to work with

Veda L.

Great Service and Fast Business Funding!

I applied and the business funding hit my business account within 2 days. I love

Darell M.
Xtreme Cartage & Warehousing
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