First National Capital Corporation
Irvine, CA, United States
FNCC is best documented as a specialty commercial finance and leasing company with a dedicated aviation finance practice, over $1B in completed Part 91/135 aircraft financing, and a public appetite for older aircraft, high-utilization charter, first-time buyers, fleet needs, refinances, leases, and complex ownership structures. Its public materials emphasize risk-based pricing, flexible structures, and speed rather than standardized bank-style rate sheets.
Contact
Websitefirstncc.com
Email[email protected]
Phone+1 949-707-2070
Contact formfirstncc.com
Quote requestfirstncc.com
Applicationfnccapp.com
LinkedInlinkedin.com
Best for
- Complex aircraft purchases, leases, refinances, and sale-leasebacks
- Part 135 charter operators and high-utilization aircraft
- Older aircraft up to stated 40-year limits
- Business borrowers that want aircraft debt outside their primary bank relationship
- Larger transactions needing customized underwriting
Potential drawbacks
- No public standard rate table
- No public borrower fee schedule
- No public standard aircraft prepayment schedule
- No clear published aircraft-specific international or cross-border policy
- Independent aircraft-borrower reviews are thin
Coverage and fit
Aircraft segments
Coverage lines
Not listed.
Borrower segments
Usage segments
Research signals
Reputation score
Not scored
Signal strength
limited
Sources
18
Public aircraft-borrower sentiment is thin. Official case studies and the IADA/AircraftExchange listing present FNCC as a flexible, fast lender for complex aviation finance, especially Part 135, older aircraft, high utilization, and non-bankable structures. Independent general equipment-finance reviews are mixed: several praise competitive rates, flexible structures, and funding reliability, while several criticize deposit handling, approval clarity, and failed closings. BBB has an A+ profile but zero customer reviews. No robust recent independent aircraft-borrower review base was found.
Positive themes
- Creative financing structures for complex or nontraditional borrowers
- Willingness to consider challenged-credit or bank-constrained situations
- Competitive rate/structure comments in some older general borrower reviews
- Official aviation case studies emphasize speed, industry knowledge, and difficult-structure execution
Negative themes
- Older independent general reviews include complaints about deposits and deals not closing after perceived approval
- One employee review flags industry-wide concern that customers may not understand all inherent costs until late in the process
- Independent review volume is small, older, and not aircraft-specific
Forum themes
- No meaningful Reddit, aviation forum, or pilot-community discussion was found in broad public searches; public discussion is concentrated in official case studies, trade press, business profiles, and review directories.
Sources