Equipment Financing Up To $500,000

Simple application. Simple process.

Equipment financing works for your business and with your budget.

Need a new or used piece of business equipment but do not have the cash on hand to pay for it? Equipment financing with Balboa Capital is the solution. We are a top-rated business lender that can provide fast funding to finance vehicles, technology, software, machinery, and other equipment for your small business.

Application-only for hard collateral up to $500,000
Application-only for soft collateral up to $350,000
If approved, same-day funding is available
Easy online application
One-hour approval decisions during regular business hours
Flexible terms available
Competitive rates

Equipment financing in 3 easy steps.

Submit a simple online application.
Get a prompt decision during our normal business hours.
If your application is approved, funds will be provided fast.

What we look for.

Minimum of one year in business

$100,000+ in annual revenue

FICO^® score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute approval.
Should you apply for equipment financing, additional lending criteria will determine if you qualify.

Streamlined process, from application to funding.

Balboa Capital makes the entire process a breeze. You can complete a simple application from your computer or mobile device. We keep our application straightforward so you can complete it quickly.

If your application is approved and you decide to move forward, one of our helpful specialists will contact you to discuss your options and answer any questions.

Preserve your existing capital.

Equipment is a significant expense for a small business like yours. Purchasing it outright chips away at your working capital or uses it up altogether.

When you finance business equipment, you will make predictable monthly payments that work with your budget, and the equipment will generate a return on investment immediately. Plus, this option can help free up the reserve funds you would use for a cash purchase and give you greater flexibility to invest in other areas of your business.

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Reasons to finance equipment for your small business.

Saves capital

Improves cash forecasting

Makes upgrading easy

Helps you get what you need fast

Offers a potential tax deduction

Gives you a competitive advantage

Balboa Capital stands out from the pack.

Our name is synonymous with equipment financing. Since opening our doors, we’ve helped countless business owners acquire equipment. In addition to our technology-driven platform that speeds up the delivery of funds, we offer you second-to-none customer service.

You will work directly with a Balboa Capital account manager who will support you every step of the way via phone or email. This highly personalized approach to customer service helps make the entire process efficient.

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Answers to frequently asked questions about equipment financing.

What is equipment financing?

Equipment financing is a popular way of getting business equipment, vehicles, software, technology, etc. You borrow money from a lender to finance equipment and make periodic payments that include interest, fees, and principal over a specific term.

What types of equipment can I finance?

Countless types of business equipment can be financed, including commercial vehicles, computers, office equipment, machinery, software, furniture, fixtures, and technology.

How do I get equipment financing?

You can apply on our secure website. Once we receive your application, it will be reviewed by our credit team during our regular business hours. One of our account managers will then contact you to discuss the next steps and answer any questions you might have.

Can I finance used business equipment?

Absolutely. You can finance used business equipment with Balboa Capital. Used equipment can get the job done right, plus save you money in the process. For these reasons, small business owners opt for used equipment in every industry.

How long can I finance equipment?

Most equipment financing deals are written for 24, 36, 48, or 60 months, depending on the type of equipment and its cost. Financing terms are typically shorter for low-cost equipment or equipment that depreciates quickly.

What are the rates?

This is one of the most common questions that small business owners ask, and for a good reason. Like you, they want the lowest possible rate. Your rate will depend on several factors, including your credit profile and annual revenue, the amount of funding you need, and the term length you want.

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Reasons to choose Balboa Capital.

Bank-owned business lender

Over $8 billion funded nationwide

Simple, quick process

Helpful links for small business owners.

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