Why Equipment Financing is an Important Business Funding Strategy.
Why Equipment Financing Is an Important Business Funding Strategy
Not everyone has deep-pocketed friends—or time for a bank decline. The lender you choose matters. With Liberty Capital, you can start, maintain, and grow without surrendering equity or starving cash flow.
What Makes Equipment Financing So Effective?
- Conserve Capital: Cash is king. Don’t tie up working capital in fast-depreciating assets.
- Maintain Ownership: Unlike equity, you keep control—and build the asset base.
- Tax Advantages: Many structures are 100% deductible; Section 179 may apply (ask your CPA).
- Inflation Hedge: Fixed payments today are cheaper in tomorrow’s dollars.
- Build Business Credit: On-time repayment adds trade lines (UCC filing, bureau reporting such as PAYNET) and improves future terms.
Why Banks Aren’t the Only Option
Bank processes are slow and rigid. We pair underwriting expertise with a broad lender network to deliver approvals quickly—often where others said no. One application, multiple possibilities.
- High Approval Range: We work with A, B, C & D credit profiles.
- $0 Down (Qualified): Preserve cash for payroll, inventory, and growth.
- No Industry Restriction: Nearly any essential business equipment.
- New or Used: Private party or vendor purchases welcome.
- Nationwide Vendors: You pick the equipment and seller; we handle the financing.
- Soft Costs Covered: Taxes, delivery, install can be financed.
This is not a cash advance. In most programs, two years of tax returns are not required. Don’t miss opportunities because of cash timing—acquire the equipment your business needs.
Fast Snapshot of Popular Options
| Feature | Business Term Loan | Equipment Leasing | Equipment Financing (EFA) |
|---|---|---|---|
| Payment Frequency | Monthly / Weekly / Daily | Monthly | Monthly |
| Credit Minimum | ~550 | ~600 | ~650 |
| Disbursement | To Client | To Vendor | To Vendor |
| New/Used Equipment | n/a | Yes | Yes |
| Max Term | Up to 24 months | Up to 60 months | Up to 60 months |
| Time in Business | 3+ years | Startup OK | Startup OK |
| Rate Environment | Moderate | Low | Low |
| Application-Only | Up to $150K | Up to $250K | Up to $250K |
| Typical Funding Time | Same day | 1–3 days | 1–5 days |
What Are My Options as a Business Owner?
Secured vs. Unsecured Funding
Equipment financing is a secured product—usually cheaper and easier to scale than unsecured alternatives. We’ll help you choose the structure that matches your use of funds, cash flow, and timeline.
| Dimension | Secured (Equipment) | Unsecured |
|---|---|---|
| Collateral | Equipment/UCC | None (often PG only) |
| Cost | Lower | Higher |
| Speed | Fast (app-only tiers) | Fast to Moderate |
| Max Term | Up to 5–10 yrs (asset-dependent) | Shorter |
| Use Case | Asset acquisition | General capital |
How to Apply (Simple & Predictable)
- Online Application: Complete, upload, authorize. We do a soft inquiry first; lenders may hard-pull after approval (equipment financing).
- Invoice / Quote: For the truck/equipment you’re buying. Multiple vendors okay; we can consolidate into one monthly payment. Private-party bill of sale is acceptable in many cases.
- Bank Statements (3–4 months): Verify income, banking history, and funds (if down payment is required). Sets up ACH autopay.
Equipment Financing for Startups
Typical Credit Requirements
- Business license or active registered entity
- Personal guarantees from all owners
- Minimum ~650 credit score (programs vary)
- No bankruptcies in the last 7 years
- No unresolved tax liens, judgments, or repossessions
- Demonstrable net worth or sensible down payment if needed
Pre-revenue startups typically lean on equipment loans/leases; post-revenue startups unlock more options (term loans, MCA, SBA). We’ll map the right path for your stage.
From Quote to Funding—Fast
| Step | What You Do | What We Do | Timing |
|---|---|---|---|
| 1. Instant Quote | Use our calculator / request a quote | Rough-in structure & payment range | Minutes |
| 2. Apply | Submit app + 3–4 bank statements | Underwrite & issue approvals | 24–72 hours |
| 3. Select Offer | Choose term, down (if any), buyout | Prepare documents (DocuSign) | Same day |
| 4. Fund & Deliver | Coordinate with vendor | Pay vendor (often pre-fund) | 1–3 days |
ONE APPLICATION MULTIPLE POSSIBILITIES!
Business Equipment Financing are easy to get. Here is why:
Approval Rate
We cater to A, B, C and D Credit Profile. All accepted.
Down Payment
Qualify for $0 Down Equipment Financing.
NO Industry Restriction
We will finance equipment from any industry.
New or Used
We are able to finance new or use trucks and equipment.
Nationwide Vendors
You find the equipment and vendors.
Soft-Cost
Taxes, Installation and Delivery Costs can be Financed
This is not a cash advance.
It will require minimum of 2 years business and personal tax returns is not necessary with our equipment financing programs.
Don’t pass up unexpected opportunities just because you are short on funds. Get the equipment your business deserves. Whatever your financial needs, we are here to help!
Wide Range of Terms
Monthly Term up to 10 years (2 – 10 yrs available)
Tax Deductable
Express Financing for Approvals Up to $75,000
Builds Credit
Builds business credit. Start up equipment financing OK.
Large Funding
Equipment Financing up to $500,000 per location.
Fast Funding
24- Approval. Funding in 2-3 business days
No Income Minimum
Approval based on debt ratio and cash flow.
We make it easy to grow your business
No Application Fee
A, B, C and D Credit Profiles
No Additional Collateral Required
No Prepayment penalty
Funding up to $5,000,000
Competitive Interest Rates
What are my options as a business owner?
Your Options as a Borrower.
Your have various business funding options but they all have caveat. These can start from credit score, time in business, industry, use of funds and the lenders that’s involved.
Equipment financing falls into the secured financing category. So, here are some you can read up without going deeper. That’s where we come in. We’ll work with you to determine the best loan for you.
Up to $1 million in as little as 24 hours
Our Equipment Financing Advisors are available to guide you through the funding process.
Instant Quote Online
Use our instant online quote calculator to get an accurate no obligation quote.
Apply Online
Complete our quick online application. Application takes 5 mins.
Review Your Options
We will contact you to review your options.
Get Funds
Money will be deposited in your account in as little as 24 hours.
HOW TO APPLY!
1. ONLINE APPLICATION: You can fill out our application, upload and authorized us to process your application. We do soft-inquiry, and our lender will do hard inquiries once you are approved for Equipment Financing only.
2. Equipment Invoice or Quote for the truck or equipment you want to buy. Multiple vendors accepted. We’ll lump them into one monthly payment for you. We’ll accept bill-of-sale for some private sale.
3. Banks statements (3-4 months) – Proof income, proof of banking, and proof funds availability in case down payment is needed and to match for ACH Payment Drafting – as an auto pay.
Are you an Equipment Vendor??
If you sell new or used trucks, trailers or machinery including medical equipment, we’d love to partner with you to offer highest approval rate for your clients. Our goal is to get them approved no matter what their credit profile might be. Working with Liberty Capital will give you a wider credit window so you can stop shopping for your clients. We do soft-inquiry for each applicant.
1. Check out how you can grow your vendor business using our financing options. View our credit guidelines here.
2. Download our equipment vendor package here.
All we need from your clients is a simple application.
1. ONLINE APPLICATION: You can fill out our application, upload and authorized us to process your application. We do soft-inquiry, and our lender will do hard inquiries once you are approved for Equipment Financing only.
2. Equipment Invoice or Quote for the truck or equipment you want to buy. Multiple vendors accepted. We’ll lump them into one monthly payment for you. We’ll accept bill-of-sale for some private sale.
3. Banks statements (3-4 months) – Proof income, proof of banking, and proof funds availability in case down payment is needed and to match for ACH Payment Drafting – as an auto pay.
Equipment Financing for Startups!
Credit Requirements for Startup Financing:
For startup companies, we require: Credit requirements Varies depending on the types of business loan. Here’s how you get your ducks in a row to make sure you make it easy for the lender approve you.
Ø Business license or active business entity registration.
Ø Personal guarantees from all owners – history matters.
Ø Minimum 650+ credit score.
Ø No bankruptcies in the last 7 years.
Ø No unresolved tax liens.
Ø No judgments, or repossessions
Ø Sufficient networth
Starts up in a sense can be subjective. Gov’t consider start up differently than a public company. Mom and pop start or small business start up? Hobby to a business start up?
Well it comes down to this:
Pre-revenue Start up – obviously no revenue yet. So, it’s difficult to get working capital or cash advance loans due to the fact that they base their decision on annual sales. Pre-revenue has limited option and one of the option that’s suitable type of funding for pre-revenue startup is equipment loan, equipment lease that’s not as hard process as SBA loan. You can qualify for an SBA loan as a start up but you have to have down payment, collateral or all your financials, projections, budget and master plan ready to go with it. Do you?
Post-Revenue Start up. – Post start up sales give you more options than a pre-revenue start ups. Now you’re eligible to get term loan, MCA, equipment financing and even SBA.
Contact us to get started! Apply for a start up loan here.
