Terms in 24 hours on a soft credit check. One-page application under $250K, funding in days, and your bank line stays untouched. Equipment financing from $25,000 to $25 million.
Takes about 30 seconds. Soft credit pull only — no impact to your score, and no application fee.
We have your information and someone will follow up shortly.
Not ready right now? That's fine — we'll email you the link. Questions first, call (949) 981-8817.
Deep, long-standing relationships with our funding sources — including companies recognized on Monitor's 2026 Best list — mean your file never gets sent into a void. We're integrated directly with our lenders' underwriting systems, so we can match and preapprove you across multiple lenders in seconds and come back with firm approvals in as little as 24 hours.
Work with real people who actually pick up the phone. Your file never disappears into a system or gets stuck in a queue — you get fast, responsive answers from a funding specialist who knows your deal by name.
The terms we quote are the terms you get — clear, competitive, and honest from day one. No surprises buried in the fine print.
Most of the businesses we fund could pay cash or get a bank approval eventually. They finance through us because of what it protects, and how fast it closes.
Using an operating line to buy a machine ties up the capital you need for payroll, materials, and the next opportunity. Equipment financing sits outside that line entirely — the machine secures itself, and your bank relationship stays clean for the things only a bank can do.
Most equipment purchases right now aren't planned expansions — they're a machine that failed in the middle of a job and has to be back online this week. A bank equipment approval commonly runs three to six weeks. That timeline doesn't just cost you the purchase, it costs you the contract. We return decisions in 24 hours and fund in days.
Seasonal businesses shouldn't pay flat monthly amounts through a slow quarter. We write seasonal schedules, deferred first payments, and step structures — the kind of terms most bank equipment notes simply don't accommodate.
Banks typically want 10–20% down and finance the hardware only. We regularly cover the full purchase price plus freight, installation, training, and sales tax — so the equipment goes to work without draining cash reserves.
A $150,000 equipment purchase for a business with strong credit and eight years of history.
We'd rather tell you now than waste your afternoon. Our programs are built for established, creditworthy businesses making a specific purchase.
Business details, owner information, and the equipment you're buying. Attach the quote or invoice if you have one — it speeds everything up. Soft credit pull only.
We match your file against our funding sources, including companies recognized on Monitor's 2026 Best list, and bring back the structure that actually fits your situation.
Review terms, sign electronically, and we pay your vendor directly. Most application-only deals fund within a few business days of approval.
No — soft checks only. Our initial review is a soft inquiry that does not affect your score. Nothing further happens without us telling you first.
For most deals under $250,000, the one-page application plus a soft credit pull is the entire package. No tax returns, no financial statements, no interim P&L. Above $250,000, lenders generally want financials, and the timeline extends accordingly.
Yes on used equipment, which makes up a large share of what we fund. Private-party sales are workable but need a few extra steps to verify the seller and the equipment, so budget a little more time than a dealer purchase.
It depends on credit profile, time in business, equipment type, and term — quoting a single number before seeing your file would be guessing. Strong files with five-plus years and high-700s credit price competitively against bank equipment terms; we'll show you real numbers, not a teaser rate.
No. We can preapprove you using a placeholder, so you know your budget before you start shopping. Final terms may adjust once we have the specific equipment details — the machine, the seller, and the price — but you'll walk into any negotiation knowing exactly what you can spend.
We're an equipment finance company based in Sioux Falls, South Dakota, and a member of the National Equipment Finance Association. We place transactions with a panel of funding sources that includes companies named to Monitor's 2026 Monitor Best list, which lets us match a file to the lender most likely to approve it on the best terms rather than pushing every deal through one box.
Thirty seconds to check, 24 hours to a decision, and your bank line never enters the conversation.