For most equipment and working capital requests under $250,000, our application is streamlined—requiring just a simple digital intake form and 3–6 months of recent business bank statements. For larger structured deals or SBA financing, basic business tax returns and financial statements may be requested.

Pre-approvals are typically issued within 24 to 48 hours of application submission. Once agreements are executed and equipment/vendor invoices are verified, funds can be disbursed in as little as 2 to 3 business days.

Yes! Our quick online application makes it easy to get started from anywhere, anytime.

We finance a wide variety of commercial assets and industries, with specialized lending programs for trucking & commercial fleets, heavy construction equipment, medical & veterinary technology, manufacturing, and general business working capital.

Yes! While established revenue helps secure optimal terms, we work with startup enterprises and newer businesses by leveraging equipment collateral, strong personal credit, or industry-experienced ownership.

No. Our initial pre-qualification and consultation process uses a soft credit check, which does not affect your personal credit score. A formal credit inquiry is only completed when you choose to finalize and sign your formal funding documents.

While preferred programs target 2+ years in business and a 650+ FICO score, we offer flexible matrix programs. We evaluate the overall strength of your business—including cash flow, monthly revenue, and equipment value—to structure approval options for a wide range of credit profiles.

Many of our commercial financing and equipment lease structures allow for early payoff options with buyout discounts or zero prepayment penalties. Specific terms depend on the chosen loan program, and all payoff conditions are clearly outlined on your term sheet before signing.

You can purchase equipment through commercial dealerships, auctions, or private party sellers. For private seller transactions, our team simply conducts a quick title and ownership verification to ensure a smooth, secure transfer of funds.

Not always. We offer 100% financing options for qualified borrowers that cover the full cost of the equipment—including soft costs like shipping, installation, software, and sales tax. Depending on your credit profile or time in business, some programs may only require first and last month’s payments upfront.