We arrange solutions across the full capital stack — multifamily, commercial property, owner-user and SBA, bridge, fix-and-flip, construction, DSCR, and complex institutional transactions for principals and the advisors who serve them.
Every program below represents a structuring lane our team navigates daily. Tap any to see how we can structure the right solution for your transaction.
Competitive pricing, flexible terms, and customized solutions for apartment and multifamily owners and investors. Streamlined origination and reliable closings.
Learn more → P/02Owner-user commercial real estate and business acquisition financing through SBA programs. Long-term, fixed-rate solutions with low down payments.
Learn more → P/03Industrial, retail, office, mixed-use, and special-purpose properties. Financing tailored to the unique needs of each asset class.
Learn more → P/04Short-term capital for acquisitions, value-add plays, and time-sensitive transactions. Fast closings, interest-only options, and a deep bench of private lenders.
Learn more → P/05Ground-up construction financing across residential, commercial, and multifamily projects — from single-family and small infill to mid-rise development. Construction-to-perm and lot loans available.
Learn more → P/06Debt-service coverage ratio loans and portfolio/cross-collateralized structures for rental investors scaling their holdings. No income verification — asset-based underwriting for efficiency.
Learn more →Competitive terms. Reliable closings.
Empowering business owners to own their space.
Secure ideal financing for owner-occupied commercial real estate with SBA 504 loans, requiring as little as 10% down. Utilize SBA 7(a) for flexible working capital, equipment, business acquisitions, or debt refinancing.
For qualified borrowers, SBA 7(a) can provide up to 100% financing — eliminating the need for a down payment entirely. This option requires strong credit and cash flow, and for real estate transactions, generally at least 51% owner occupancy.
These programs are perfect for small to mid-size businesses across retail, office, medical, and hospitality sectors. We guide you through the entire SBA process, from application to closing.
Every asset class. Every capital need.
We deeply understand the unique nuances of each commercial asset class, structuring financing solutions that align precisely with your investment goals and property specifics.
Fast capital for time-sensitive opportunities.
Residential, commercial & multifamily development financing.
Scale your rental portfolio with confidence.
With 35+ years of experience, First Commercial Capital, Inc. is a full-service commercial lending brokerage and advisory lending platform focused on real estate and business-purpose financing. We arrange solutions across bridge and fix-and-flip loans, ground-up construction, multifamily, rental and DSCR loans, owner-user commercial financing, SBA 504 and 7(a), portfolio and cross-collateralized structures, cash-out and recapitalization strategies — as well as bespoke transactions involving complex assets or time-sensitive execution.
We bring deep, longstanding relationships with senior decision-makers at private lenders, banks, credit funds, and institutional capital sources — relationships built over decades. They translate directly into certainty of execution, pricing leverage, and the willingness of capital partners to lean in when our clients need it most.
A meaningful portion of our business comes from long-standing relationships with repeat clients — principals and apartment owners with substantial real estate portfolios who return to us transaction after transaction. We also work closely with seasoned commercial real estate brokers and agents, family offices, and wealth managers who rely on us as a responsive lending resource for their clients. We are very comfortable operating in that role with speed, discretion, and white-glove service.
Through our institutional network and direct wholesale access, we structure financing with aggressively priced terms that retail and conventional channels rarely match. Our commitment is unequivocal: we would rather earn the next transaction than maximize the last one. Long-standing client relationships — not transactional compensation — are how we measure success.
Although our focus is commercial and business-purpose financing, our platform extends into a comprehensive suite of residential investment lending — DSCR, fix-and-flip, bridge, and rental portfolio loans on 1–4 unit non-owner-occupied properties. We arrange these directly, leveraging the same wholesale access and structuring discipline we apply to every commercial transaction. Whatever the structure, our clients deal with us — a single trusted lending relationship for every side of their portfolio.
Five pillars define how we operate. Together they're why advisors and principals send us their most demanding transactions.
Decades navigating cycles, structures, and counterparties. The judgment that comes only from time in the market — applied to every transaction.
We move fast. Our broad lender network and streamlined process means faster term sheets, faster approvals, and reliable closings.
Access to private lenders, banks, credit funds, and institutional capital sources — all under one advisory relationship.
Discretion and professionalism — the trusted lending resource for wealth managers, family offices, and commercial brokers.
From bespoke deals involving complex assets to time-sensitive recapitalizations, we thrive where others hesitate.
We protect our clients' time. From first call to closing, our process is built around clarity, speed, and an unwavering commitment to keeping every transaction on track.
A single call to understand the transaction, the timeline, and the outcome you're looking for. No paperwork, no obligations — just clarity on whether and how we can help.
We identify the right capital sources from our network and return with a clear structure, indicative terms, and a defined path to closing. Typically within days, not weeks.
We manage the lender process end-to-end — document collection, third-party reports, and lender communication — so you stay focused on your business while we keep momentum.
Coordinated execution with title, escrow, and counsel. We don't disappear at the finish line — we close on time, communicate proactively, and stand ready for the next transaction.
Our commitment: a streamlined, disciplined process at every stage — without exception.
A look at recent deals we've structured and closed. Borrower details remain confidential; the work speaks for itself.
Multifamily portfolio financing across three Los Angeles properties — 46 units total. A repeat client we've now structured capital for multiple times.
SBA 504 financing for a restaurant expansion project in La Habra — long-term, fixed-rate capital structured for a small business owner growing into their next location.
$5.4M bridge loan closed in 10 days for the acquisition of a 59-unit multifamily property — followed by $5.6M permanent take-out financing for the same client just 60 days later. Two structures, one relationship, seamless execution from day one to stabilization.
We work with a diverse range of clients and trusted referral partners who value speed, expertise, and discretion.
A small team by design, with deep operating expertise in commercial real estate finance and business-purpose lending.
Gil Figueroa is the CEO and founder of First Commercial Capital, Inc. He leads the firm's strategic vision and manages its key relationships across a broad network of lenders, capital sources, and institutional partners. With deep expertise in commercial real estate finance and business-purpose lending, Gil oversees the firm's origination platform and ensures every client receives tailored, high-quality execution.
Hugo Oliva, JD, serves as Chief Operating Officer of First Commercial Capital, Inc. With a legal background and extensive experience in commercial finance, Hugo oversees the firm's operations, compliance, and transaction management. Hugo ensures that every transaction is structured with precision, speed, and the highest standard of professional care.
Whether you're an investor, business owner, or a trusted advisor looking for a reliable lending partner for your clients — we're here to help structure the right solution, fast.
Our team is available to discuss your transaction, answer questions, and provide a preliminary assessment at no obligation.