Equipment Financing

Finance the Equipment
That Generates Revenue

$25K to $2M across every commercial equipment category. Application-only up to $300K — no financial statements required. Decisions in 24 hours.

Get My Equipment Financing Options → (949) 229-5521

How We Structure It

Judgment-Based Underwriting.
Not an Algorithm.

We evaluate every equipment deal on the merits — asset value, cash flow, industry dynamics, and business trajectory. That approach lets us approve transactions banks decline and structure terms that actually fit your operation.

Equipment financing is our core business. Every vertical, every asset class, every deal size from $25K to $2M — structured by a team with 20+ years at the institutional level of commercial finance.

"Up to $300K — application only. No tax returns. No financial statements. One page. One decision."

Get My Equipment Financing Options →

At a Glance

Program Details

Amount $25,000 – $2,000,000

App-Only Up To $300,000 — No Financials

Decision 24–48 Hours

Structure Lease or secured term loan

Repayment Term 24 – 84 Months

Time in Business 2+ Years preferred

Credit Pull Soft pull to pre-qualify

Collateral The financed equipment

Down Payment $0 down on qualified transactions

Industries We Serve

Every Commercial Equipment
Category. Every Vertical.

Select your industry for vertical-specific financing details, deal structures, and equipment types we fund.

🏥

Healthcare & Medical

MRI, CT, surgical systems, dental equipment, diagnostic imaging, lab analyzers, and full practice build-outs.

Explore Healthcare Financing →

🏗️

Construction

Excavators, cranes, loaders, graders, compactors, concrete equipment, and heavy-duty job site machinery.

Explore Construction Financing →

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Transportation

Semi-trucks, trailers, refrigerated vehicles, flatbeds, box trucks, and commercial fleet expansion.

Explore Transportation Financing →

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Manufacturing

CNC machines, industrial presses, robotic systems, production lines, and specialized fabrication equipment.

Explore Manufacturing Financing →

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Restaurant & Hospitality

Commercial kitchen equipment, HVAC, refrigeration, point-of-sale systems, and full restaurant build-outs.

Explore Restaurant Financing →

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Technology

Servers, workstations, networking infrastructure, AV systems, and enterprise hardware packages.

Explore Technology Financing →

Common Questions

Equipment Financing FAQs

For equipment transactions up to $300,000, we can typically issue a decision based on a one-page application — no tax returns, no financial statements, no P&Ls. Qualification is based primarily on time in business (2+ years preferred), credit profile, and the equipment being financed. This is our fastest path to funding and works across all six equipment verticals we serve.

Transactions between $300K and $2M typically require two to three years of business tax returns and interim financials. We review the full business picture — cash flow, industry, asset value, and growth trajectory. Decisions still run 24–48 hours for complete packages. We'll tell you exactly what we need upfront and won't ask for documents we don't actually use.

Yes. We finance both new and used equipment. For used assets, we evaluate current market value and remaining useful life. The equipment serves as collateral regardless of age — what matters is that the asset has productive value and the business has the cash flow to service the debt.

$0 down is available on qualified transactions. Some deals — particularly larger transactions or those with credit challenges — may require a deposit or first-and-last payment structure. We'll be direct about what's needed before you commit to anything.

We use a soft pull to pre-qualify — no impact to your credit score to get started. A hard pull is only conducted when you've reviewed initial terms and decided to proceed with a formal application. We never run a hard pull without your explicit consent.

All commercial industries. We have specific vertical experience in healthcare, construction, transportation, manufacturing, restaurant, and technology — but we evaluate equipment across every sector. If the equipment generates revenue and the business can service the debt, we can likely structure it.

One Call. One Decision.
Funding in Hours.

Up to $300K — no financials required. Up to $2M with a decision in 24 hours. Soft pull to pre-qualify.