Working Capital / Short-Term Financing
Owners with lumpy or seasonal sales · Companies waiting on customer invoices
Flexible funding to support day-to-day operations and cash flow needs.
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Commercial Financing
Equipment Financing
Financing for machinery, vehicles, and business equipment.
Equipment financing lets you buy the machine, truck, or system you need and pay for it over time, instead of writing a check for the full price today.
How it works
The equipment itself is usually the collateral. That is why this product often works when a blank unsecured loan would not. Terms are built around how long the asset will be useful — a work truck and a CNC machine are not amortized the same way. You can finance a purchase or, in some cases, refinance equipment you already own to pull cash back out. Down payment, time in business, and the strength of operations all matter. The goal is to keep working cash in the bank while the asset starts earning.
Who this is for
- Contractors buying trucks, lifts, or tools
- Manufacturers and shops adding machinery
- Medical, restaurant, and service businesses replacing equipment
- Owners who would rather not drain cash for a long-lived asset
What it typically covers
- New or used business equipment
- Work vehicles used in the operation
- Selected refinances of equipment you already own
- Terms that follow the life of the asset
A simple example
A shop needs a $80,000 machine that will last a decade. Financing it over several years keeps cash available for payroll and materials while the machine pays for itself in jobs.
Good to know
- Soft costs, installation, and training are not always financeable. We separate those up front.
- The asset should outlast the loan. That is the simple test.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
Working capital vs. a business line of credit
A lump sum for a defined gap, or a reusable facility you draw and repay. Which one matches the cash-flow problem.
Read guideGuide
What a lender reviews on an SBA 7(a) or 504 file
Use of proceeds, occupancy, cash flow, and the documents that keep an SBA file moving after SBSS scoring went away.
Read guide