COMMERCIAL EQUIPMENT FINANCING
The equipment you need.
The capital to put it to work.
Financing from $25,000 to $3 million, with streamlined app-only submissions available up to $500,000.
✓ 24-hour underwriting decision*✓ 600 FICO standard floor✓ Multiple equipment categories
PROGRAM PARAMETERS
Built for real business equipment purchases.
Simple initial submissions for smaller transactions, with expanded underwriting for larger opportunities.
Streamlined ≤ $500K
Submit the initial package without tax returns. If the transaction requires additional documentation, we'll request it after initial review.
- Credit application
- Three months business bank statements
- Equipment invoice or quote
Transactions Above $500K
Financing requests above $500,000 move to full documentation review. Start with the initial package and we'll identify the remaining requirements.
- Funding available up to $3 million
- Existing equipment liens may be tolerated up to $150,000
- Below-600 credit may be considered where collateral supports
- Cannabis businesses considered up to $500,000
OVER-THE-ROAD FINANCING
Trucking has its own underwriting matrix.
Owner-operators and established fleets can be evaluated using time in business, credit, PayNet, revolving utilization, fleet size and transaction structure.
| Program | Operating Profile | FICO | PayNet | Down | Max |
|---|---|---|---|---|---|
| Owner/Operator | 1 power unit · 2 yr TIB | 620+ | — | — | $250K |
| Tier I | 5 yr TIB · 60% revolving | 720+ | 650+ | — | $250K |
| Tier II | 2 yr TIB · 50% revolving | 680+ | 640+ | 5% | $250K |
| Tier III | 2 yr TIB · 40% revolving | 640+ | 620+ | 10% | $250K |
| Tier IV | 3 power units · 6 yr TIB | 600+ | — | — | $150K |
HOW IT WORKS
From equipment quote to underwriting.
Tell us about the deal
Business profile, equipment, requested amount and basic credit information.
Submit the package
Upload the application, recent bank statements and equipment quote.
Underwriting review
Qualifying complete files move into underwriting for a decision.
PREQUALIFICATION
See which financing path may fit.
Complete the short form. Your answers automatically route the request to the appropriate initial review path.
Two primary paths≤ $500K: streamlined initial package> $500K: full-documentation reviewTrucking: dedicated underwriting matrix