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Business & Equipment Loans
Flexible capital for operating companies
Conventional term debt and equipment finance for established operating businesses. Acquire or refinance revenue-producing equipment, consolidate expensive debt, or fund an expansion without pledging real estate.
- Loan size
- $25K – $5M
- Term
- 12 – 84 months
- Collateral
- Equipment or general business assets
- Funding
- 3 – 15 business days
Best used for
- Buying trucks, machinery, medical or restaurant equipment
- Refinancing existing equipment to free up cash
- Consolidating high-cost merchant advances
- Funding a new location or product line
What we will need
- Two years business tax returns and YTD financials
- Business debt schedule
- Three to six months bank statements
- Equipment quotes or invoices where applicable
How the process works
- Step 1
Pre-qualify
Revenue, time in business, and existing debt determine the structure.
- Step 2
Apply
One universal application feeds every business credit program.
- Step 3
Approve
Most approvals come back within a few business days.
- Step 4
Fund
Documents signed electronically and proceeds wired or paid to the vendor.
Frequently asked
How long must I be in business?
Most programs want at least two years; startup structures exist through SBA.
Is a personal guarantee required?
Almost always for closely held businesses.
More questions? Read the full FAQ or contact our Brickell office.
Other financing programs
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Loan calculator
Estimate monthly payments and total interest for this program.
Loan payment calculator
Estimate your monthly payment and total interest. Rates and terms pre-fill from typical market pricing for each program — adjust them to model your own scenario.
Typical range for this program: 7.5% – 16% · Fixed, priced to credit and equipment class
Estimated monthly payment
$11,059
- Total interest
- $163,550
- Total of payments
- $663,550
- Principal
- $500,000
- Est. origination points
- $5,000
Rates, points, fees and turnaround times shown are indicative market ranges used for estimating only. They are not an offer, commitment, or guarantee of terms. Final pricing is set by the funding lender in an executed term sheet and depends on credit, collateral, leverage, and market conditions at closing.
Submit your loan request
Send us the basics and a loan advisor will respond within one business day.