How it works
Equipment financing, explained without the jargon
One application, a full panel of lenders, and a broker in your corner who shops the market until we find the yes. Here's exactly what happens.
The process
1. Apply
Fill out a short application with the basics: your business, the equipment, and the amount. No credit pull to get started, and no 40-page packet.
2. Get matched with the right lender
This is the part a bank can't do. We read your file, figure out which lenders on our panel actually fund deals like yours, and structure it so it gets approved at the best terms available to you.
3. Get funded
You review the terms, sign, and we pay your vendor directly. Straightforward deals often fund within a couple of business days of approval.
Credit ranges we serve
A bank works one credit box. We shop a full panel of lenders, from strong credit down through startup and credit-challenged financing — so a decline in one place isn’t the end of the conversation. It’s just the start of finding the yes somewhere else.
A paper
Strong personal and business credit, two-plus years in business, solid financials.
Lowest rates, longest terms, application-only approvals up to higher amounts.
B paper
Good credit with a blemish or two, or a shorter time in business.
Competitive terms with light documentation and fast turnarounds.
C / D paper
Credit-challenged owners, past bankruptcies, tax liens, thin files.
Programs that price for risk but still get the equipment in your hands and rebuild your file.
Startups
Day-one businesses and operations under two years old.
Startup equipment loans structured around the owner, the industry, and the collateral.
What we finance
Restaurant & food service equipment financing
- Combi ovens, ranges, fryers, and hood systems
- Walk-in coolers, freezers, and refrigeration
- Dish machines, prep lines, and smallwares packages
- POS systems and full kitchen build-outs
- Food trucks and mobile kitchens
General small business equipment
- Construction and landscaping machinery
- Box trucks, trailers, and commercial vehicles
- Manufacturing, CNC, and shop equipment
- Medical, dental, and salon equipment
- Technology, printing, and office systems
Selling the equipment rather than buying it? See our dealer financing program. Still deciding? The FAQ covers bad credit, startups, and approval timing.
Let’s see what you qualify for
A few minutes now can mean equipment on your floor next week.