Frequently Asked Questions

We finance virtually any type of commercial equipment, including restaurant kitchen equipment, construction machinery, medical devices, manufacturing equipment, transportation vehicles, technology hardware, vending and amusement machines, and more. If you need it for your business, we can likely help finance it.

Our streamlined approval process typically takes 24-48 hours from application submission to decision. Once approved, funding can be disbursed quickly to help you acquire the equipment you need without delay.

We consider applications from business owners across all credit ranges. While better credit scores may result in more favorable terms, we also look at your business revenue, cash flow, and overall financial health. We have options for businesses with less-than-perfect credit.

The basic documents we need include:

• Last 2 years of business tax returns
• Last 3 months of bank statements
• Equipment quotes or invoices
• Copy of your driver's license
• Proof of business ownership

Yes! We offer equipment refinancing options that can help you consolidate existing debt, lower your monthly payments, improve your cash flow, or free up capital for other business needs. Contact us to learn if refinancing makes sense for your situation.

We offer flexible terms ranging from 12 to 84 months depending on the useful life of the equipment. We work with you to customize a payment schedule that fits your business cash flow, including options for seasonal payments, step-up payments, or balloon payments.

Down payment requirements vary based on your credit profile and the type of equipment. Some programs offer 0% down options for qualified borrowers, while others may require 10-20% down. We'll work with you to find the best financing structure for your situation.

At the end of your lease term, you typically have several options:

• Purchase the equipment for the fair market value or a pre-agreed price
• Return the equipment and upgrade to newer equipment
• Renew the lease for a specified period
• Extend the lease on a month-to-month basis

Equipment financing is specifically designed for purchasing equipment where the equipment itself serves as collateral. This often means easier approval, potentially better rates, and the equipment pays for itself through increased business revenue. Traditional loans may have more flexible use of funds but may require different collateral.

Yes! We offer pre-qualification for qualified business owners. This gives you a clear understanding of your purchasing power before you start shopping for equipment, helping you negotiate better deals and speed up the acquisition process.