Your Financing Questions Answered

We work with small and mid-sized businesses across many industries nationwide. Approvals depend on the business profile, industry, cash flow, credit strength, and purpose of funds.

Yes — depending on other factors such as the owner’s experience, credit profile, equipment type, and business plan. We do not require a set minimum time in business.

There is no fixed minimum. Stronger credit generally leads to better terms, while challenged credit may still be considered depending on factors such as: • Industry experience, • Equipment value, • Cash flow, or • Down payment.

Most financing decisions are made within a few hours to two business days, depending on the type of funding and the documentation available.

For most equipment financing requests under $250,000, we typically require: • A simple credit application • Three months of business bank statements Occasionally, more information may be requested.

For equipment financing (https://www.capxfunding.com/equipment-financing)and sale-leasebacks,(https://capxfunding.com/sale-leasebacks#sale-leasebacks) the equipment itself serves as collateral. Working capital loans (https://capxfunding.com/business-loans#working-capital-loans)and other products are typically unsecured, meaning they do not usually require collateral.

We will review credit as part of most applications using a soft inquiry, which does not affect your credit.