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Ready to apply for a loan? Lendio works with 75+ lenders to find the right option for your business. Click “Apply Now” to fill out our simple application.
Lendio carefully selects the lenders it works with in its marketplace, then works with you to find the best business line of credit for your unique situation. Read on for stats on each lender and what each lender is best at.
Learn about our methodology for lender selection here.
Up to $500,000
4, 36, 48, or 60 months
Min. credit score
Time to funding
As soon as 1 day
Balboa Capital offers customers up to $500,000 in equipment financing. They do require some form of collateral for all of their financing options. However, if you use them for financing equipment less than $350,000, you’ll only need soft collateral.
Up to $20,000
As soon as same day
If you need a new piece of equipment, then equipment financing is one way to finance that. You can go with a company like ClickLease that will help you buy the item you need and pay it back over time. ClickLease offers flexible terms and rates for a variety of business owners.
One-time initial documentation fee
Up to $150,000
Founded in 2006 and based in Plano, Texas, 4 Hour Funding (Centra) is an equipment financing company that serves customers across the country. It specializes in equipment financing agreements or EFAs. An EFA is a loan in which the financier purchases the equipment up front and the borrower repays it over time via a flat monthly rate.
$275 doc fee
As fast as 1 day
Headquartered in Draper, Utah, Commercial Funding Partners has been around since 1987. It offers equipment financing of up to $500,000 or more to small business owners. While you will need fairly good credit and at least 3 years of business under your belt to get approved, you may lock in flexible rates and terms.
Up to $1 million
Global Financial has provided equipment financing to small and medium-sized businesses in a variety of industries since 2009. You can get approved even if you have bad credit or a history of bankruptcies or tax liens. Upon approval, you may customize the terms to meet your unique budget and needs.
$500 doc fee
Up to $5 million
Based in Layton, Utah, Paradigm has offered “reputable equipment financing” since 2011. It prides itself on individualized service, straightforward terms, and quick decisions. If you want to purchase a piece of equipment valued $10,000 or more, and don’t operate in a restricted industry, Paradigm is worth exploring.
Up to 10 years
Headquartered in St. Cloud, Minnesota, South End Capital is a division of Stearns Bank and offers equipment financing for new and used equipment. You can get approved in hours and work with one of its Certified Lease Finance Professionals (CLFP) to find term and payment options that make sense for your small business.
Appraisal and environmental report fees
Up to $1.5 million
Based in Boston, Time Payment is a fintech company that’s owned by the affiliates of Fortress Investment Group, a top diversified global investment manager. Once you apply for its equipment financing solutions online, you’ll receive an instant credit decision for the maximum amount you can finance.
Wondering how we chose the best? Here’s how we went about evaluating the lenders in our network.
*The information contained in this page is Lendio’s opinion based on Lendio’s research, methodology, evaluation, and other factors. The information provided is accurate at the time of the initial publishing of the page (November 28, 2022). While Lendio strives to maintain this information to ensure that it is up to date, this information may be different than what you see in other contexts, including when visiting the financial information, a different service provider, or a specific product’s site. All information provided in this page is presented to you without warranty. When evaluating offers, please review the financial institution’s terms and conditions, relevant policies, contractual agreements and other applicable information. Please note that the ranges provided here are not pre-qualified offers and may be greater or less than the ranges provided based on information contained in your business financing application. Lendio may receive compensation from the financial institutions evaluated on this page in the event that you receive business financing through that financial institution.
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