Sheila Norton Has a Taste for Success.

You won't find a "Goin Fishin" sign on Matt Strickland's door.

Businesses needing capital to grow have found Essential Capital Finance, Inc. (ECFI) to be their solution.

As a Certified Development Company, ECFI makes Small Business Administration (SBA) 504 loans. The proceeds of this loan can be used to purchase major fixed assets, such as: commercial property, commercial building remodel or buildout or equipment. The 504 loan is beneficial because less borrower equity is generally required and it offers long-term financing with a fixed rate. With a 504 loan you have greater cash flow and peace of mind knowing your rate won't escalate.

Commercial properties include hotels, restaurants, franchises, gas stations, office, industrial, warehouse, storage unit facilities, manufacturing, etc. Learn more about 504 loans.

It can be difficult to get the business loan you need, when just starting out. Essential Capital can help by packaging your loan request to obtain a Small Business Administration guaranty. Getting that guaranty can make the difference in getting your business off the ground. Learn more about a 7 (a) program.

In order to move your business forward, you may need operating capital. Essential Capital can help by working with your lender to package your loan according to SBA requirements to get the SBA guaranty. Lenders take on less risk with an SBA guaranty, making their decision to lend more likely. Learn more about a 7 (a) program.

The Access to Capital Program provides loans to businesses for the moblilization funds needed to start work on municipal contracts. Essential Capital is currently administering this program for the City of Jacksonville. Learn more about the Access to Capital Program at  Jacksonville Small and Emerging Business Access to Captial Program.