Step By Step Capital Equipment Financing Loan:

• Asset-based lending solution for small and medium-sized businesses to acquire machinery, vehicles, or technology.

• Preserves working capital by financing up to 100% of equipment purchase price.

• Secured by the equipment itself as collateral, ideal for industries like construction, manufacturing, and logistics.
  
  

  Key Features:

  • Loan amounts cover up to 100% of equipment cost.

  • Competitive rates: 9–15% APR, structured over a standard 2-year term.

  • Funds disbursed within 24–48 hours of approval, enabling immediate asset use.

  • Supports both new and used equipment purchases.
    
    

  Purpose:

  • Enables acquisition of revenue-generating assets without draining cash reserves.

  • Drives productivity gains and operational efficiency for business expansion.

  • Aligns loan term with equipment’s rapid depreciation and operational needs.
    
    

  Eligibility:

  • Based on equipment’s appraised value and business’s revenue stability.

  • Minimal focus on personal credit for established businesses; emphasizes cash flow potential.

  • Requires viable collateral with a useful life matching the 2-year term.
    
    

  Application Process:

  • Starts with online submission of business details, equipment quotes, and financial overview.

  • Pre-qualification assesses asset value and repayment affordability.

  • Brief underwriting verifies vendor invoices, tax returns, and other documentation.

  • Funds disbursed directly to supplier/vendor upon approval; equipment titled to borrower from day one.

  • Fixed monthly installments begin shortly after funding.
    
    

  Client Support:

  • Dedicated portal for real-time tracking of amortization schedules and early payoff options.

  • Transparent process to manage loan alongside daily operations.
    
    

  Benefits:

  • Tax-deductible interest reduces overall financing costs.

  • Immediate equipment ownership, avoiding leasing residuals or balloon payments.

  • Cost-effective 9–15% APR supports swift ROI on revenue-generating assets.

  • Preserves equity, avoiding dilution of traditional equity financing.

  • Flexible for upgrading assets without long-term commitments.
    
    

  Strategic Advantages:

  • Transforms capital-intensive acquisitions into strategic investments.

  • Fuels efficiency and scalability in dynamic markets.

  • Enables forward-thinking businesses to stay competitive through modernized assets.