Business Details
Trusted Commercial Lending Solutions in American Fork
First Capital Commercial has established itself as a leader in commercial real estate lending, offering clients nationwide access to competitive financing solutions. With over three decades of industry experience, our team specializes in navigating complex financial landscapes to help businesses achieve their growth objectives. We provide tailored lending options including SBA 504 loans, construction financing, and conventional mortgages, prioritizing transparency and personalized service throughout the process.Our expertise extends to underwriting diverse commercial properties, from office buildings to multi-family housing, while maintaining a steadfast commitment to client education and satisfaction. By combining deep market knowledge with a streamlined application process, we empower business owners to secure the capital needed to transform their visions into reality.
Services
SBA 504 Loans
Construction Loans
Refinancing
Conventional Financing
Equipment Loans
Highlights and features
- We offer 30+ years of specialized commercial lending experience.
- Our team provides competitive Loan-to-Value rates nationwide.
- We maintain a streamlined approval process for faster funding.
- We specialize in complex financing including SBA and construction loans.
- Our client-centric approach prioritizes transparency and education.
What people say
Easier time processing a loan
Honest and easy to work with
Top-notch service
Integral part of our success
Streamlined process saves time
Services
SBA 504 Loans
Our SBA 504 loan program provides long-term, fixed-rate financing for major fixed assets like real estate and equipment. This government-backed solution offers lower down payments and extended repayment terms, making it ideal for expanding businesses seeking stable capital investment opportunities.
Construction Loans
We specialize in construction financing for commercial projects, offering phased funding disbursements aligned with project milestones. Our expertise covers both speculative and pre-leased developments, with flexible terms that accommodate evolving project requirements from groundbreaking to completion.
Refinancing
Our refinancing solutions help businesses optimize existing debt structures through lower interest rates, extended terms, or cash-out options. We analyze current loan portfolios to identify savings opportunities while maintaining alignment with long-term financial objectives.
Conventional Financing
We offer conventional commercial mortgages for stabilized properties with predictable cash flows. These fixed or adjustable-rate loans suit investors seeking competitive pricing and flexible amortization schedules for office, retail, and industrial properties.
Equipment Loans
Our equipment financing solutions enable businesses to acquire machinery, vehicles, and technology through secured loans with terms matching asset depreciation schedules. This preserves working capital while facilitating operational upgrades without significant upfront costs.
Questions
What loan programs do you specialize in?
We specialize in SBA 504 loans, construction financing, conventional mortgages, and equipment loans for commercial properties nationwide.
How does your approval process work?
Our streamlined process begins with a comprehensive financial assessment, followed by property evaluation and underwriting, with regular communication throughout.
Do you lend outside Utah?
Yes, we provide commercial financing solutions across all 50 states for qualified borrowers and eligible properties.
What insurance services do you offer?
We provide commercial insurance solutions including property, liability, and bond coverage to protect your investment during and after financing.
How can I start the application process?
Begin by submitting our online application or contacting Troy directly at 801-722-1047 for personalized guidance.
Reviews (6)
Adam Shepherd
Jan 24, 2021
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Troy and his team at first capital commercial have been nothing short of fantastic. He has helped me acquire funding for real estate and a ground up build. I ask a ton of questions, never once did I feel like they did not want to help. Troy is ultra responsive, very clear and committed all the way through the end of the project. We used SBA funding which I certainly was nervous about in the beginning. SBA has some unique requirements but Troy has made the whole process from start to finish simple for this very anxious borrower. I have a hard time thinking anyone would go further and reach above
Ryan Schriever
Jul 05, 2020
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Troy and his team have been absolutely fantastic. They helped us with an SBA loan. They are experts. Troy carefully walked us through every step of the process, effectively heading off problems before they even became issues. I highly recommend them.
Megan Hansen
Jan 20, 2020
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I had a great experience working with First Capital Commercial to get my commercial building loan. Troy was very helpful, explained the process clearly, and worked quickly. The customer service was awesome. I highly recommend this company!
Jacci Miller
Dec 02, 2019
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First Capital, Troy Stringham and his team were a delight to work with. They were incredible partners and made what I thought would be a very complicated process a breeze. I loved that they always called back and the flow of information was seamless. They have been a wonderful part of our team and I am so glad they were our lending partner!
Sincerely, Jacci Hood-Miller
Interior Concepts Design House
Sincerely, Jacci Hood-Miller
Interior Concepts Design House
Debbie Harper
Jan 06, 2019
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I have had many experiences working with the lenders at First Capital Commercial. The staff is great to work with...they are knowledgeable in all aspects of SBA lending and are always on top of each of their loans. I highly recommend them to anyone looking for commercial RE financing.
Brooke Delahunty
Aug 25, 2018
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Troy and his team were so helpful teaching me about the commercial loan and SBA process. They had the best interest rate and took the time to make sure I was getting the best loan package available. I highly recommend the FCC team!
