One buys the asset, the other keeps payroll and inventory moving. Built for established businesses doing $60K+ a month.
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Both products are available through our partner, Merchant Fund Express, so you can choose based on the need rather than settle for whatever one source offers.
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.
Funding can arrive in as little as 24 hours for qualified businesses, with a 5-minute application and no tax returns required.
FICO 500+ is considered. We begin with a soft pull and give your monthly revenue real weight.
Every offer shows the full repayment amount before you accept. Nothing new appears after you sign.
The schedule is spelled out in your offer, so you can test it against your cash flow first.
Owners who have built a business over years usually know the answer before they read a comparison page. If the need is a machine with a model number and a quote, you are probably looking at equipment financing. If the need is the gap between paying people and getting paid, it is working capital. The trouble starts when a business uses the wrong tool, like covering payroll with a long equipment structure or buying a $90,000 machine with short-term cash.
| Equipment financing | Working capital | |
|---|---|---|
| Purpose | A specific asset | General operating needs |
| What it is tied to | Typically the equipment itself | The business's revenue and deposits |
| Paperwork | Bank statements plus an equipment quote | Bank statements |
| Typical uses | Vehicles for local routes, kitchen lines, lifts, medical devices | Payroll, inventory, rent, a slow stretch |
| Tax angle | May involve Section 179 (ask your advisor) | Depends on how funds are used |
Both are available through our partner Merchant Fund Express in a range from $25,000 to $5,000,000.
Equipment financing makes sense when the asset will be in service for years and produces revenue. Because the equipment anchors the agreement, the cash in your operating account stays free for everything else. An auto repair shop adding a second alignment rack is a classic case. Read more on equipment financing and how Section 179 relates to it.
Working capital is flexible money for the day-to-day: covering payroll during a slow month, stocking up before a busy season, or bridging receivables on a large commercial job. It is reviewed mainly on deposits, so it fits owners whose revenue is strong even when personal credit trails behind. See the working capital page for details.
For illustration: a medical practice doing $180,000 a month wants a new imaging unit and also needs to hire two staff before the unit starts producing. Some owners finance the equipment and use working capital for the ramp-up period. Others handle both with one request. There is no single right answer, only the one that matches your cash flow.
Same starting point for both: a 5-minute application, a soft credit pull, and about three months of business bank statements. No tax returns required, FICO 500+ considered, and sole proprietors can apply. For qualified businesses, funding can arrive in as little as 24 hours. Start your application and note which need you are solving.
Generally yes, working capital is flexible. The trade-off is that you are using general-purpose funds on a long-lived asset, which may leave less room for operating needs.
Both lean on business revenue, and FICO 500+ is considered for either. The specifics of your file matter more than the product label.
For equipment financing, having a quote or invoice helps the review move. For working capital, bank statements are the core document.
No. Credit repair and funding are separate services, and you can apply based on revenue now.
Example uses for illustration only.
Whichever product fits, a clean file helps either one move.
One secure application. A soft credit pull to start. No obligation to accept an offer.
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