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 these loan can be used to purchase major fixed assets, such as: commercial property, acquisitions, remodeling or make leasehold improvements, or to purchase furniture, fixtures and 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 for example: hotels, restaurants, franchises, gas stations, professional office space or industrial, warehouse and manufacturing facilities. Learn more about 504 loans.

It can be difficult to get the business loan you need when just starting out or when critical working capital is needed to facilitate the growth in your business. Essential Capital can help by packaging your loan request to obtain a Small Business Administration guaranty for your local bank. Getting that guaranty can make the difference in getting your business off the ground. Learn more about a 7 (a) program.

Essential Capital also administers a small revolving loan fund for the City of Jacksonville. This program provides loans to small and emerging businesses for funds needed to start work on municipal contracts. Learn more about the Access to Capital Program at  Jacksonville Small and Emerging Business Access to Captial Program.