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Working Capital
Equipment Financing
Contact
Privacy Policy
Terms and Conditions

Working Capital
Equipment Financing
Contact
Privacy Policy
Terms and Conditions

Same-Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday – Friday before 10:30 a.m. ET. If checkout is done before 10:30 a.m. ET, funds will be available by 5 p.m. local time the same day. If checkout is done after 10:30 a.m. ET, or on a weekend or bank holiday, it will not qualify for Same-Day Funding and funds will be deposited within 2 – 3 business days. There are some industries we cannot serve (see list of restricted industries). In addition, First Light Funding does not lend to businesses in North Dakota. Other underwriting requirements may apply.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with First Light Funding. The average rate for term loans is 60.9% APR and the average rate for lines of credit is 52.6% APR. Averages are based on loans originated in the half-year ending March 31, 2023.

In states with specific commercial financing disclosure laws, we will use the state-required disclosure rather than the SMART Box®.

Origination Fee reductions on renewal loans are not applicable to customers that have a 24-month term loan. Depending on your state and other circumstances of your application, you may be required to make a minimum draw of $1,000 at origination.

Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the First Light Funding family of companies. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.

First Light Funding® is a Registered Trademark. All rights reserved.

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