Question 1

What types of businesses do you work with?

Accepted Answer

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.

Question 2

Do you work with startups?

Accepted Answer

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.

Question 3

Is there a minimum credit score required?

Accepted Answer

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.

Question 4

How long does approval take?

Accepted Answer

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

Question 5

What documents are required?

Accepted Answer

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.

Question 6

Do you require collateral?

Accepted Answer

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.

Question 7

Will applying affect my credit?

Accepted Answer

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

Your Financing Questions Answered