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We Fund the American Dream

Equipment Financing

Setting ourselves apart through in-depth industry knowledge, customized solutions, integrated technology, and a sense of urgency.

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EQUIPMENT FINANCING FEATURES

LOAN SIZES

$5,000 TO $5 Million.

UP TO 100% FINANCING

Start-ups may have lower limits and will usually require a down payment.

TIME IN BUSINESS

No minimum time in business on most deals.  Equipment financing for start-ups is available, but three (3) months' bank statements may be required.

TERM

Up to 84-month terms are available.

NO FINANCIALS

Loans up to $150k are application only.  Larger loans can be considered with application only if no other compensating factors are required.

NEW OR USED EQUIPMENT

Mission critical equipment, essential to the operation of the business.

MINIMUM CREDIT SCORE

NO set credit score minimum.(620+ preferred)

(Start-ups require 700+)

MOST INDUSTRIES ARE ELIGIBLE

Certain restrictions may apply.

CUSTOM PAYMENT STRUCTURES

Flexible options available, such as delayed payments, seasonal payments, step payments, semi-annual, etc.

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About Permanent Bank Loans ​

When most people think about commercial loans, what comes to mind is permanent bank loans. These are 25-year fully-amortized loans, in the minds of most people. They think of these loans, because these are similar to the loans most people have on their residences.

However, permanent bank loans are quite rare. Most permanent loans are going to be on owner-occupied properties. Investors will typically opt for interest-only loans of several years, so as to increase annual cash flow. They don’t want to tie-up money inside a hard asset, so they are quite happy to let the balance ride.

Even with permanent loans, the vast majority of these will be agency loans, with permanent bank loans reserved for the best, most financially-solid borrowers.

Contact us to see which financing option is best for your circumstances.

Bank
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About Construction Loans

Most construction projects run in the $5 million to $20 million range, with larger construction projects from $20 million to $100 million or more.

Once we get to larger deals, we look to Syndication options that involve multiple banks, mezzanine loans, and private equity, as needed.

Construction loans run similar in process to bridge loans, but on a larger scale. In addition to the standard paperwork for investment loans, we also will need plans/specifications, budget, contractor’s resume or history, and project drawings.

If the deal will be financed as an agency or bank loan, we will also need personal and business tax returns (if applicable).

Note our document checklist for construction loans.
Construction
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