Bank said no and you still need to move? Established businesses doing $60K+ a month can compare equipment financing and working capital in one quick application.
See my fitCompare your options
Tell us what the money is for and we point you at the product that fits, through our partner, Merchant Fund Express. No runaround.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
5-minute application, about 3 months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We start with a soft pull, and your deposits matter as much as your score.
Whichever product you pick, the full repayment amount is in your offer before you accept. Nothing added after signing.
Repayment is laid out in your offer up front, so you can compare the two side by side.
If the money buys a piece of equipment, look at equipment financing first. If the money covers payroll, inventory, rent, repairs or a slow month, look at working capital. That rule gets most owners to the right product in about ten seconds.
Both are available through our partner Merchant Fund Express, from $25,000 to $5,000,000 for qualified businesses.
| Equipment financing | Working capital | |
|---|---|---|
| What it pays for | A specific machine, vehicle or tool | General business expenses |
| Who gets the money | Usually the vendor | You, deposited to your account |
| What backs it | Typically the equipment itself | Mainly your revenue and deposits |
| Paperwork you need | Statements plus a vendor quote | Statements |
| Flexibility | Tied to the purchase | Use it where it is needed |
The common mistake is using short-term working capital to buy a machine you will use for years. It works, but you are paying for a long-lived asset with short-term money, which can squeeze cash flow. The opposite mistake also happens: trying to stretch equipment financing to cover a payroll gap. It does not work that way, because the funder pays the vendor, not you.
For illustration only. A landscaping company doing $95,000 a month needs a new skid steer. That is an equipment deal. The vendor quote goes on the application and the machine typically secures it.
A print shop doing $130,000 a month lands a large order and needs paper, ink and overtime before the client pays. Nothing to finance as an asset. That is working capital. Read more on working capital or equipment financing.
Bank said no? Neither option hinges on a perfect score. Both are built for established businesses doing $60K or more a month.
Yes, and some owners do: finance the truck, then use working capital to cover the driver and fuel until the new route pays. The funder will look at your total obligations, so be upfront about anything already running. Start the 5-minute application and say what you need the money for. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Not necessarily. The equipment helps secure the deal, but the funder still reviews your deposits, revenue and existing obligations.
It can, since the money goes to you. Just know you are paying for a long-term asset with shorter-term money.
No. A quote is for equipment deals. Working capital mainly needs about three months of bank statements.
Do not count on that. Funding and credit repair are separate services. Apply based on revenue now and work on credit separately if you want.
Funding is provided through our partner Merchant Fund Express.
Example uses for illustration only.
Whichever way you go, these help your file:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding