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 and sale-leasebacks, the equipment itself serves as collateral.

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.