The capital gap most businesses face
Growing businesses need capital to seize opportunities, but the two most common options each come with serious drawbacks.
Traditional bank loans can take 3-5 months to approve and fund. For a business that needs capital now, whether for an acquisition, seasonal inventory, or a time-sensitive project, that timeline simply does not work.
Merchant cash advances move fast but come at a steep price. With effective annual rates that can reach 80-120% and daily or weekly debits that strain cash flow, MCAs can create more problems than they solve.
A third path: creative equipment financing
Equipment financing structures offer a compelling middle ground. By packaging working capital as an equipment transaction, businesses can access $50K to $2.5M in funding in as little as 2-4 weeks, with fixed monthly payments and potential Section 179 tax benefits.
This approach works because equipment leasing and financing have well-established compliance frameworks, deep lender networks, and favorable balance sheet treatment. The equipment itself serves as collateral, which means better terms for qualified borrowers.
Who qualifies
The ideal candidate has at least 5 years in business, $1M or more in annual revenue, and a clean credit history. There is no industry restriction outside of a small exclusion list, which means businesses in construction, IT, telecom, healthcare, restaurants, and more can all benefit.
Get started
If your business fits these criteria and you need working capital without the wait or the cost, get pre-qualified today. There is no obligation and no impact to your credit score.