Products

Equipment Financing

When it comes to running your business, getting the equipment you need quickly is essential. Our tailored financing options meet your unique needs, helping you stay competitive in today’s rapidly changing market. With flexible payment programs designed for strong credit profiles, you can focus on what you do best.

Features

Loan Amount
$20,000–5MM
Loan Terms
36-84 months
Time to Fund
24-48 hours

Find the right financing amount for your business.

Work with our experienced team to model the right loan and payment options for your business.

Get a quote

Products

Flexible financing for your business needs

We understand that flexibility is key to optimizing your payments, so you can have the financing that makes sense for you.
Finance Lease
Finance leases, often referred to as Capital leases, do not fit operating lease guidelines and are an alternative finance vehicle. With a finance lease, the leasing company retains ownership of the equipment and at the end of the lease term, you have the option to purchase the equipment for $1.00 or some other pre-agreed upon fixed price. You cannot expense the monthly payments with a finance lease as you can with an operating lease, but you can take advantage of all of the benefits of ownership including depreciation allowances and Section 179 Tax Deduction.
Equipment Finance Agreements
Equipment Finance Agreements (EFA’s) are straight finance programs where the customer retains title to the equipment and the finance company has a security interest in the equipment. Since you have title to the equipment, there is no purchase option at the end as in a lease product. With EFA’s you can take advantage of all benefits of ownership including depreciation allowances including Section 179. EFA’s are an alternative to bank financing and are preferred over bank financing due to their ease of approval, flexibility in structure, and minimal down payments.
Flexible Structures

Reap the financial benefits

Whether you choose one of our lease products or a finance product, we can offer many flexible and aggressive structures including:
How it works

Our quick and convenient financing process

equipment finance team header

Create the right plan for your business

Select the term and payment options that work best for your business.
how it works step 2

Fill out our short application

Tell us about you and your business so we can get you the right financing. The application process will take 5-10 minutes.
equipment finance team header

Receive quick decisioning from our team

You will receive a quick decision from our team letting you know the status of your application. We strive for a same day credit decisioning process.
how it works step 4

Sign in to manage your account and pay bills

When you have received your funding and equipment sign up for online access to pay bills, have questions answered and more!

Common questions

  • What other information will be required for the application?
    Include the vendor's name and address. If it's a private party sale for titled vehicles, specify upfront. Equipment Type-Specific Information For certain equipment types, additional information may be required:
      • OTR Transportation & Car Carriers: Bank statements
      • Residential Construction: Bank statements
      • Medical: Medical license
      • Food Service: Bank statements and, if applicable, property lease and/or franchise agreement

  • What additional information is required for financing amounts above $250K?
    For amounts exceeding $250K, please provide complete financial statements for the last two fiscal years plus the most recent year-to-date (YTD) available. Management-prepared statements are acceptable if accompanied by a corporate tax return

  • What else can I include to make the decision-making process go as fast as possible?
    While not strictly required, providing more information can lead to faster decisions:
      1. Complete bank statements for the last three months of your primary revenue account
      2. Detailed business background
      3. Financial statements and bank statements for all transaction sizes
      4. Explanation for any past bankruptcy or material lien
      5. List of top customers by revenue
      6. Existing financial obligations
      7. Your internal business case for the equipment purchase
      8. Professional biographies
      9. Personal financial statements
      10. Business ownership structure

  • What vendor information is needed?
    Include the vendor's name and address. If it's a private party sale for titled vehicles, specify upfront. Equipment Type-Specific Information For certain equipment types, additional information may be required:
    • OTR Transportation & Car Carriers: Bank statements
    • Residential Construction: Bank statements
    • Medical: Medical license
    • Food Service: Bank statements and, if applicable, property lease and/or franchise agreement

  • What can I finance?

    Any business essential equipment.

More Questions

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