A failed oven, a worn-out van or a dental chair that no longer works costs more in lost days than in replacement price. Capital Region owners ask about equipment because the breakdown never waits.
Apply Now →In the Capital Region, a large share of small-business work serves institutions: state offices, hospitals, colleges and the firms around them. That work depends on equipment that must run on schedule. A caterer cannot deliver without a cold chain. A printer cannot meet a deadline without a press. A medical office cannot see patients without working diagnostic gear. When a key machine fails, the revenue it supports stops the same day.
The decision is rarely whether to replace it. It is how to pay for the replacement without draining the cash you need for payroll and supplies. That is where funding for equipment purchases comes in. We fund $25,000 to $5,000,000, so it can cover a single large item or a group of purchases.
| Business type | Typical equipment need |
|---|---|
| Restaurants and caterers | Ovens, refrigeration, dishwashers, delivery vehicles |
| Contractors and trades | Trucks, trailers, lifts, specialized tools |
| Medical and dental offices | Imaging and treatment equipment, chairs, sterilizers |
| Print, sign and design shops | Presses, large-format printers, cutters |
| Tech and light manufacturing firms | Test and production equipment |
The region has also moved toward nanotechnology, photonics and digital electronics, which brings a supply chain of specialized suppliers and contractors with their own equipment needs.
Before you apply, add up the full cost of the project, not just the machine. Delivery, installation, training, permits and the first month of supplies all belong in the number. Then decide how much working cash you want to keep. Asking for the right amount once is easier than coming back later for a second, smaller request. Our application asks for the amount you need and what you plan to do with it, so write those two answers down first.
We fund $25,000 to $5,000,000, with funding in as little as 24 hours. We consider FICO scores of 500 or higher, ask for about three months of business bank statements, and do not require tax returns. The application takes about five minutes and uses a soft credit pull. Sole proprietors can apply. Start your application.
The funding can be used for business purposes such as equipment purchases. Describe what you plan to buy on the application.
It helps to have one, because it shows the amount you actually need. It is a good idea to have it ready.
No.
No. It is a soft credit pull.
Yes.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
