First Capital Finance/Florida First Capital (FCF/FFC) is a non-profit certified development company promoting economic development and job creation. Under the SBA 504 Loan Program, FCF/FFC works with private-sector lenders to provide eligible small business owners in Alabama, Florida, and Georgia with below-market, fixed interest rate long-term financing to buy or build commercial property and/or purchase fixed heavy-duty machinery and equipment. Florida First Capital also lends under the Rebuild Florida Business Loan Fund, as well as the Florida Recycling Loan Program and other small business assistance programs.