The equipment you need,
funded in days, not weeks.
Traditional equipment financing or working-capital-backed purchases — new or used, private-party, soft costs included. From $10K to $1M, approved in 24 hours.
- New, used, and private-party
- Soft costs + install included
- Credit scores from 500
- 24-48 hour approvals
Risk-free, no-commitment application. No hard credit pull to check options.
$10B+ deployed
Across 50 states
24-hour approvals
Most offers same-day
Direct lender
Not a broker
No upfront fees
Zero application cost
The product the equipment lender won't write.
Traditional equipment financing is a beautiful product when it fits. A UCC-secured loan against an asset, term-matched to its useful life, at a rate close to a vehicle loan. The problem is what it excludes. The traditional equipment lender wants new equipment from an authorized dealer, an operator with two years of tax returns and a 680+ FICO, and a clean credit profile with no recent inquiries. They want the equipment to be under 7 years old. They want a down payment. They want to wire the dealer directly. And they will not, under nearly any circumstance, finance the freight, the install, the electrical tie-in, the plumbing, the training, the warranty, or the sales tax.
The reality on the ground is different. The hood you need is being parted out of a closed restaurant two states away by a private seller. The CNC machine is a 2011 model from a manufacturer that has since merged twice. The dental chair you want is six years old and a fraction of new pricing. The truck is a fleet retirement coming off a Class A operator. None of these are unusual purchases — they are the actual market for commercial equipment. Traditional equipment finance simply does not see most of it.
The MCA-backed equipment purchase
When you fund an equipment purchase through a working capital advance, the structural constraints of traditional equipment finance disappear. The funding is sized against your revenue, not the asset's value. There is no UCC against the equipment, so you can sell or trade it without lender consent. The funded amount is whatever you and your underwriter agree to — $25K for a single piece, $500K for a full build-out, $1M for a fleet expansion. You decide what the money pays for: the equipment, the freight, the install, the contractor, the permits, the tax, the training, the reserve. The whole project budget runs through one funded position.
When traditional equipment financing is still the right call
We have direct relationships with equipment finance desks and we will route you there when the structure makes sense. If your personal credit is over 680, the equipment is new from an authorized dealer, your time in business is two years or more, and you can wait two weeks to close, traditional equipment financing on a 60 to 84 month term is almost always the lower-cost answer. The dollar cost of capital is a fraction of a working capital advance. We will tell you that and quote both products if you fit both boxes. The point is to put you in the right instrument — not to push a single product.
Minimum qualifications
- 6+ months in business
- $15,000+ monthly revenue
- 500+ credit score
- 4 months of bank statements
From equipment quote to asset on site inside a week.
- 01
Send the equipment quote
Dealer invoice, private-party bill of sale, or contractor estimate — including all soft costs and installation budget.
- 02
Choose the structure
We quote both traditional equipment financing and working-capital-backed funding when you qualify for both. You pick the trade-off.
- 03
Same-day underwriting
Four bank statements, application, ID. Approvals inside the business day. Credit from 500 on the working capital structure.
- 04
Funds wire to seller or to you
On traditional financing we wire the dealer directly. On working capital we wire you and you handle the purchase — useful for private-party deals.
The full project, not just the price tag.
The pattern that makes equipment finance frustrating for operators is the gap between the headline equipment price and the actual all-in project cost. A $42,000 piece of restaurant equipment frequently lands at $58,000 once you add freight, hood permits, gas line work, electrical upgrades, a service contract, and the inevitable scope creep when the contractor opens the wall. A traditional equipment lender will fund $42,000 against the invoice and leave the other $16,000 as your problem. We fund the $58,000 — and the contingency you should add on top — as one project budget. The arithmetic of the funded amount works against the realized cost, not the sticker price.
The same pattern shows up across industries. A medical practice buying a $180,000 imaging unit needs $40,000 in room build-out, $15,000 in radiation shielding, $10,000 in training and certification, and $20,000 in working capital while the room is under construction and not producing. The equipment finance company finances the $180,000 imaging unit. We fund the full $265,000 project. The difference shows up directly in how many delayed openings and underfunded build-outs we see vs. the lender that only writes against the invoice.
Used and private-party transactions
Used equipment moves the market. The best deals in any commercial equipment category come from operators who closed, dealers who took trades, auctions, fleet retirements, and private-party sales between owners. A traditional equipment lender refuses most of these transactions on policy. We treat them as a normal funding scenario. Bring us a bill of sale, photographs, and a serial number, and we fund. We have wired operators against private-party purchases of $250,000 CNC machines, $90,000 reefer trailers, $40,000 dental chairs, and full restaurant build-outs sourced from closed operations.
Equipment as informal collateral
On larger funded amounts — typically over $250,000 — we sometimes file a UCC-1 on specific identified equipment as a security position for the funded advance. This is not a traditional equipment loan structure but it operates similarly and can reduce pricing on the working capital position. It also matters in any future MCA consolidation, where lien position drives structure. When we structure equipment-collateralized working capital, we are transparent about what the UCC covers and what triggering events would allow us to claim against it.
See what you could qualify for.
A real-time indicator based on monthly revenue and time in business. Apply for an exact offer in under five minutes.
Conservative
$42,000
Likely offer
$53,813
Upper range
$65,625
Estimates only — actual offers depend on full underwriting.
Questions worth answering.
Related funding and reading
Working Capital Loans
The base product that powers MCA-backed equipment purchases.
Merchant Cash Advance
Revenue-flexed repayment for equipment funded against trailing sales.
Inventory Financing
When the asset is inventory rather than fixed equipment.
Trucking Funding
Truck, trailer, and reefer financing including used and private-party.
Construction Equipment
Excavators, skid steers, attachments, and full fleet builds.
Used Equipment Financing Guide
How to structure a used equipment buy without paying retail.
Your next chapter is one
application away.
Five minutes. No credit pull. No obligation. See what you qualify for and decide on your own terms.