Equipment leases available for new and start up businesses. No time in business required. USA only A - D credit financed. As you may know, finding equipment leasing for a small business start up can be difficult. The equipment leasing program for startup or new businesses is designed with you in mind!We can finance most types of equipment. Sorry, we won't finance any vending, or ATM routes. We will finance restaurants with 6 months in business and ATM machines going into your place of business. Having trouble getting your new businesses financed? We can help! We provide a wide variety of leasing programs for not just start ups but established businesses also. We can finance most types of equipment. Sorry, we won't finance any vending, or ATM routes. We will finance restaurants with 6 months in business and ATM machines going into your place of business. We don't require any time in business so you can be a day 1 start up and we can still get your business equipment leasing! Need Working Capital? Are your businesses most valuable asset frozen? This program is for businesses that already have clientele. We provide working capital to your business by utilizing your accounts receivable. We can provide your company with the following program to help you to improve your cashflow. Factoring Factoring is using your accounts receivable to generate working capital. We will advance up to 95% of the value of your A/R 24 hours after we set up your account. Our Program * We Only Factor Business to Business invoices * Minimum monthly volume must be $10,000 * Factoring is based on your CLIENTS credit not yours! * Sorry we don't factor invoices for construction companies SBA Loans for Startup Business The Small Business Administration (SBA) is an independent agency of the Federal Government, established by Congress to advise and help the Nation's small businesses. SBA Programs Even if you have been turned down by your local bank, a SBA lender may be able to help you. Many SBA lenders will give special consideration to minority and/or women owned businesses. You will still need to meet the credit criteria. These are loans not grants. SBA loans can be used to provide financing for the following uses: * Provide small businesses with working capital * Purchase real estate premises * Purchase of furniture and fixtures * Purchase of machinery and equipment * Leasehold improvements * Purchase of additional inventory * Business acquisitions Depending on the use of loan proceeds, security for SBA loans may consist of one or more of the following: * First or second deed of trust on business real estate * Security agreement and UCC filing on business assets Criteria Our minimum loan amount is $150,000. To obtain the SBA Guarantee you must be able to invest up to 30% of your loan amount in your business and have collateral. Collateral can come from the business you are purchasing, but that CAN NOT be the sole source of collateral. In most cases our lenders prefer Real Estate (that you already own) as collateral. Yes, you can use the real estate you are purchasing w/ the loan, but it CAN NOT be the sole source of collateral. If you do not have either the collateral or investment required, please review our Unsecured Loan Program. This program doesn't require any collateral or a down payment.