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COMMERCIAL FUNDING

Small business owners in America spend considerable time and effort trying to secure funding. More often than not, however, their plans are thwarted by stringent big banks with unrealistic expectations.

The good news is that these small businesses have options outside traditional channels for obtaining financing. First Down Funding is a business funding company based in Maryland that makes commercial business funding, among other financing options, accessible to small businesses throughout the USA.

We believe that business funding should be accessible and straightforward. When you work with us, all you have to do is apply online. You’ll receive news of approval within a day — no need to wait in lines or fill out mass amounts of paperwork.

With the help of our commercial funding options, your business can hit its long and short-term growth targets. Learn more about our small business financing funding today.

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Understanding Commercial Business Funding

What is a commercial funding?

A commercial funding is a business financing solution meant to cover the short term expenses and operating costs of a growing business. This is business funding catered to the needs of a company, rather than a personal funding meant for an individual or family’s investments.

Investopedia defines these funding as a “debt-based funding arrangement between a business and financial institution.” At First Down Funding, we are an alternative option to these stringent institutions.

Commercial funding can be provided through a venture fund or “venture capital fund.” A venture fund is a form of private financing through which investors inject money into businesses that show significant growth potential. These investors are incentivized by receiving stock in a business or a portion of profits.

Commercial funding can cover business costs ranging from equipment to marketing efforts to hiring staff.

Who are commercial funding meant for?

Commercial funding are geared towards small businesses that require capital to maintain operations and grow their business. They are short term funding meant to provide an injection of cash when a business needs it most.

Regardless of your industry, if you are looking for financing to sustain your new business, you can benefit from commercial funding.

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What are commercial funding used for?

At First Down Funding, we are passionate about supporting small businesses with business financing options. After all, every company requires capital, whether that be for day to day operations or business opportunities.

Commercial business funding are typically acquired to satisfy a wide range of business needs, which include:

  • Hiring new staff
  • Growing the business
  • Covering increased costs
  • Taking advantage of reduced inventory prices
  • Advertising or marketing your business
  • Investing in infrastructure
  • Acquiring another department or diversifying your business offerings
  • Reducing debts or consolidating expenses
  • Increasing readily available short-term funds

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First Down Funding Options for Commercial Business Funding

Picture of green checkmark signifying commercial business loan options

There are a lot of commercial funding options available to American small businesses, but traditional institutions make these funds hard to access. This is where First Down Funding comes in.

We make funding accessible by maintaining a streamlined process and offering a range of commercial based funding. After all, there is no one-size-fits-all solution for small business funding.

We work one on one with business owners to identify the commercial funding option that works best for the unique needs of their business:

Unsecured Funding Packages:

Unsecured funding is a type of financing that doesn’t require any collateral. This funding program is ideal for businesses in the USA who either lack high-value assets or can’t risk putting these high-value assets on the line.

Bridge Funding:

To overcome shortfalls in usable cash, you can utilize a short term bridge financing solution. Bridge funding are short term funding typically taken out to cover the costs that arise during a period between two longer-term funding.

Bridge funding allows you to meet the costs associated with day to day operations and not have to cease operations while awaiting your next round of funding.

Bad Credit Funding:

Small businesses often lack the credit history needed to obtain business funding through a traditional channel. We offer bad credit funding to help these businesses get back on their feet.

ARE YOU LOOKING FOR A COMMERCIAL BUSINESS FUNDING?

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.


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If your business needs funding but faces less than stellar credit, consider these four strategies:

1

Signing a Personal Guarantee: If you boast good personal credit, consider obtaining business financing by leveraging your credit instead of your business’s. This way your qualifications will be based more on your ability to pay off the financing rather than your business’s ability to do so.

2

Pay a Cash Down Payment: Sometimes, businesses have poor credit, but positive cash flow. In this case, consider paying a down payment in cash to cover the costs associated with your business funding.

3

Use Collateral or Assets: If you have poor credit but viable assets, leverage them to secure your funding. By utilizing assets like unpaid customer invoices or future debit or credit card transactions, the focus will shift to your ability to pay off your business funding with your projected revenue — not your credit.

4

Accept a Smaller Funding: Substantial funding like a business expansion funding can be challenging to attain when you have poor credit. If you are flexible, however, you can try applying for a smaller funding instead. You are far more likely to get accepted for a small amount of funding than a large scale business funding.

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Apply For Your Commercial Funding Today

Image showing how to apply online for First Down Funding commercial loan on phone

Commercial funding are meant to satisfy the timely needs of a growing business. We’ve implemented a straightforward process so that businesses can receive approval and access their funds sooner, rather than later.

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There are only 3 simple steps to attaining a commercial funding from First Down Funding:

1: Apply Online

To apply for a commercial business funding, all you have to do is fill out and submit our online application form. The form should only take a couple of minutes to complete.

2: Await Approval

After you submit your application, it will be sent to a credit specialist who will assess your information. If your application is approved, we will get back to you on the same day we receive your application.

3: Get Funded

After we approve you for a commercial funding, you will get your funds deposited into your account within 24 – 72 hours.

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First Down Funding VS. Traditional Financial funders

Image of man looking to apply online for commercial business loan

Long wait times, piles of paperwork and unrealistic credit expectations make it particularly challenging for small businesses to achieve the funds they need through traditional channels.

First Down Funding is proud to be a Maryland based business funding company that provides alternative funding options for small businesses.

We base your qualifications for our business funding on your overall business health. We prefer not to assess your application based on a credit history that, most likely, you haven’t been in business long enough to establish.

We know every small business needs to start somewhere, which is why we don’t penalize companies for only being two or three months into their venture. Every business deserves a fighting chance to attain the funds they need to maintain business operations, invest in products, hire staff and more.

You need to spend money to make money — but how can you spend money if you don’t have access to these funds? Our fair, streamlined funding process attempts to break this vicious cycle.

We work with you to find the right program for your business and create a realistic repayment schedule. Consider how our seamless funding process differs from that of traditional institutions like banks:

TRADITIONAL BANK FINANCINGS 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 Day 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+

24-72 Hours

TBD / TBA

60-90 Days+
APPROVAL CRITERIA
Credit Score & Collateral

Overall Business Health

Credit Score

Credit Score & Collateral

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About First Down Funding: Expert Commercial Funding funders

First Down Funding is a Maryland based Small Business Funder that makes business funding accessible to small businesses across the USA. We have seen how small businesses have struggled to attain the financing they need through traditional channels like banks.

We’ve taken it upon ourselves to provide alternative, accessible options for funding to these businesses. There is no universal answer to business funding, which is why we’ve created unique financing programs to meet the needs of businesses at different stages.

We offer commercial funding for growing businesses, as well as long term and expansion funding for more established businesses. Our team will work with you and assess your future transactions to identify the best business financing solution for you. Together, we will form a sustainable repayment schedule that is realistic for your business.

We create effective small business financing solutions by leveraging in-depth consultations, data science, advanced technology, strategic partnerships and an innovative approach to funding. Apply online for your commercial funding today.

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