Equipment Financing
Up to $2M·2–5 days
The machine is the collateral. New or used, dealer or private sale — terms are matched to the working life of the equipment, so the payment tracks what the asset earns.
Price my equipment purchaseCommercial financing brokerage · All 50 states
Working capital and equipment financing, built with a guard rail.
FundGuard Capital arranges $5,000 to $5,000,000 through a vetted network of lending partners — structured so the payment fits the business, not the other way around. Funding should never put the business at risk. Ours doesn’t.
Soft credit pull only No fee to apply No obligation to accept
$5M
Top of the range we arrange — from $5K per file
24 hrs
Approvals in as little as one business day
50
States covered — every U.S. small business market
6
Financing products matched from one application
Six products, one application
Every structure a small business borrows with — under one roof.
One file goes out to the network. Options come back priced side by side, so the structure gets chosen on the numbers.
Working Capital
Up to $1M·24–48 hrs
A revenue-based advance sized against real deposits, not projections. Built for short gaps — payroll, inventory, a job that starts before its invoice pays — and priced for a quick exit.
Size my advanceBusiness Term Loan
Up to $5M·3–7 days
One fixed amount, one fixed schedule. The predictable way to fund a defined project with a known cost.
Get term optionsBusiness Line of Credit
Up to $250K·1–3 days
Approved capacity that waits on standby. Draw what the job needs, pay interest only on what you take.
Open standby capacitySBA Loan — 7(a) & 504
Up to $5M·2–6 weeks
Government-guaranteed structures for acquisitions, owner-occupied real estate, and long-horizon growth.
Check SBA eligibilityCredit Repair & Building
Ongoing program
Disputes, corrections, and a structured build plan — so the file reads stronger every quarter it runs.
Strengthen my fileFlagship — equipment financing
Finance the machine against the work it will do.
Equipment is the rare purchase that carries its own collateral. That changes the underwriting math: the review centers on the asset’s value and working life, which is why files clear here that stall at a bank.
We place excavators, trucks, CNC machines, imaging systems, kitchen lines — anything with a serial number and a job to do — with the partners who actually want that class of asset on their books.
- The equipment secures itself. Personal assets stay out of the structure wherever the file allows.
- Terms match the asset’s working life. The payment schedule is set against the years the machine will earn, not an arbitrary calendar.
- Used and private-party friendly. Auction lot, dealer floor, or a competitor selling off a rig — all financeable.
The process
Four steps from application to funded — no step hidden.
Step 01
Submit the file
Five minutes, one form, a soft credit pull only. Nothing touches your credit report at this stage.
Step 02
Advisor review
A funding advisor reads the numbers the same day and calls with questions, not a script.
Step 03
Match and compare
Your file goes across the lending-partner network. Options return within 24 hours — amounts, terms, and total cost, side by side.
Step 04
Fund on your call
Pick a structure or walk away — no obligation either way. Working capital can land in as little as 24–48 hours.
Industries
Built around how your industry actually gets paid.
Every trade has its own cash-flow physics. The structure has to respect them.
Construction
Progress-billing gaps, bonded jobs, and iron that can’t wait for the draw.
Trucking & Transport
Trucks, trailers, and the settlement lag between the load and the pay.
Manufacturing
CNC, tooling, and raw-material buys that land ahead of the purchase order.
Medical & Dental
Imaging, chairs, and buildouts financed around insurance-receivable lag.
Restaurants
Kitchen lines, refits, and the slow season wedged between two strong ones.
Retail
Inventory ahead of peak, POS upgrades, and the second-location buildout.
Professional Services
Payroll through the receivables gap, plus the software the practice runs on.
E-commerce
Inventory buys, ad-spend cycles, and 3PL bills ahead of the revenue they create.
Questions, answered straight
What owners ask before they apply.
No. The initial review uses a soft credit pull, which is invisible to other lenders and does not change your score. A hard inquiry only ever happens later, with a specific lender, and only with your explicit go-ahead.
Approvals come back in as little as 24 hours. Speed then depends on the product: working capital typically funds in 24–48 hours, lines of credit in 1–3 days, equipment financing in 2–5 days, term loans in 3–7 days, and SBA loans in 2–6 weeks.
Most of our lending partners look for roughly three or more months in business and around $10,000 or more in monthly revenue. Each partner sets its own bar — which is exactly why we submit one file to a network instead of a single desk.
Yes. Used equipment and private-party purchases are financed routinely. The review centers on the equipment’s value and remaining working life, not the sales channel it came through.
For most products: three to four months of business bank statements and a government-issued ID. Larger structures — SBA loans and high-limit term loans — add tax returns and basic financial statements. You are told exactly what is needed before anything is submitted anywhere.
No. FundGuard Capital is a broker. Financing is arranged through a network of third-party funding partners. That is deliberate: one application produces multiple competing options, and you are under no obligation to accept any of them.
Nothing. There is no application fee and no obligation. If you accept financing we arrange, compensation flows through that transaction, and the full cost of any offer is disclosed in its terms before you sign.
Put a number on it.
One five-minute application. A soft pull. Real options within 24 hours — and no obligation to take any of them.
Prefer a call first? {{PHONE}}