One pays for an asset, the other covers the gap until customers pay. Built for established businesses doing $60K+ a month that want the right tool for each move.
Compare my optionsCompare Funding Options
Through our partner, Merchant Fund Express, you can review both equipment financing and working capital offers and pick what fits the purchase.
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.
A 5-minute application and about 3 months of bank statements cover either path. No tax returns, and qualified files can fund in as little as 24 hours.
FICO 500+ is considered and you start with a soft pull, so your deposits do more of the talking than a single score.
Each offer shows the full repayment amount before you accept, so you can compare products on real dollars. No surprise costs after you sign.
Whichever product you choose, the schedule is spelled out in the offer before anything is final.
The simplest test: if the funds will buy something with a serial number, look at equipment financing first. If they will cover payroll, materials, marketing, rent, or a slow receivables month, that is a working capital job. Owners who mix the two often end up with a short-term product paying for a long-life asset, or an asset-tied product that does nothing for a cash gap.
| Factor | Equipment financing | Working capital |
|---|---|---|
| What it funds | A specific machine, vehicle, or system | General operating needs |
| What anchors it | The equipment being acquired | Revenue and bank deposits |
| Repayment pattern | Scheduled payments while the asset works | Scheduled payments over a shorter horizon |
| Documentation | Statements plus an equipment quote | Statements and the application |
| Best for | Capacity you will use for years | Timing gaps and near-term growth |
Both are available from $25,000 to $5,000,000 through our partner Merchant Fund Express. Offer terms come in writing; we do not publish rates.
A shop doing $95,000 a month has turned away jobs for six weeks because one press cannot keep up. The new press is a capacity decision that will pay back over years, so equipment financing ties the payments to the asset producing the new revenue.
A commercial HVAC contractor doing $210,000 a month needs to stock units and add two techs before peak season, while customers pay on net terms. Nothing here is a single asset. That is working capital.
Both examples are for illustration.
Growth often needs both at once. A bakery opening wholesale accounts might finance a deck oven and separately carry working capital for flour, packaging, and a delivery driver until the new accounts pay. Keeping them separate makes the math readable: you can see whether the oven earns its payment and whether the wholesale ramp covers its own costs.
Before stacking any obligations, map your monthly deposits against every payment you already carry. Funders will do the same.
The application takes about 5 minutes, starts with a soft credit pull, and does not require tax returns. FICO 500+ is considered, and sole proprietors can apply. Apply here when your answers are clear.
Not automatically. The equipment anchors the deal, which can help, but funders still review deposits, existing obligations, and credit. Each file is weighed on its own.
You can, and for small purchases some owners do. For larger assets, matching payments to the asset's useful life usually keeps cash flow steadier.
Either can be part of a payment history if the provider reports. Ask in your offer conversation. Funding and credit improvement are separate services.
Yes, a quote or invoice helps size the amount to the asset and speeds up the file.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
Whichever product fits, these steps help your file read clearly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding