California small business funding
Equipment Financing for California Businesses
Equipment financing lets you buy or lease the equipment your business needs without draining cash. The equipment itself secures the loan, so approval often comes down to the asset and your business — not just your credit score.
Amount
$10,000 – $5,000,000
Term
1 – 6 years
Speed
Funding in 2–5 business days
Best for
Who this product fits
- Construction, trucking, restaurants, medical, manufacturing, and trades
- Businesses that need new or used equipment but want to preserve cash
- Owners with average credit who would not qualify for an unsecured loan
Use of funds
What businesses use it for
- Trucks, trailers, and commercial vehicles
- Restaurant ovens, walk-ins, and kitchen build-outs
- Construction and landscaping equipment
- Medical, dental, and salon equipment
- IT, software, POS systems, and office tech
Qualifications
General requirements
- 6+ months in business (startups considered with strong credit)
- $8,000+ in monthly revenue
- 550+ FICO typical
- Equipment quote or invoice from a vendor
Specific qualifications vary by lender and program. The numbers above reflect the most common bars for this product in our network — they are not a guarantee of approval or specific terms.
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