One Call.
One Decision.
Funding in Hours.
Up to $300K — no financials required. Up to $2M in 24 hours. Equipment financing & working capital from a team with 20+ years at the institutional level.
Or call directly: (949) 229-5521
Equipment Financing, Working Capital
& Vendor Programs — Built for Your Business
From acquiring the equipment that drives revenue to the working capital that fuels daily operations — we structure the right financing for where your business is going.
Equipment Financing
Finance the equipment that generates revenue — medical imaging, construction machinery, commercial vehicles, production lines, and more. We understand equipment value and structure terms accordingly.
Working Capital Loans
A lump sum term loan to fund growth, bridge a gap, or seize an opportunity your bank is too slow to act on. Get funded and repay over a fixed term with predictable payments.
Business Line of Credit
A revolving credit facility that's there when you need it. Draw only what you need, pay interest only on what you use, and as you repay your credit replenishes automatically.
Vendor Program
A fully branded financing program for equipment dealers. White-label materials, real-time pipeline reporting, and compensation paid at funding. No minimum volume requirements.
We Do the Deals Others
Walk Away From
Real transactions. Real businesses. Structured by a team that understood the deal when other lenders didn't.
Soft Costs Bundled Into the Equipment Loan
A medical practice needed to finance both the imaging equipment and the full room buildout — construction, cabinetry, electrical. Their bank would only fund the hard equipment. We bundled the FF&E and soft costs into a single equipment loan, one payment, one lender.
$120% of Wholesale Value — Equipment as Collateral
A contractor owned two excavators, a skid steer, and a dozer free and clear. He needed capital for a new contract but had no liquid assets. We appraised his equipment, lent 120% of wholesale value as a lump-sum term loan, and used the equipment as collateral. He got the capital. Kept the equipment. Took the contract.
Vendor Under 2 Years — We Paid Before Shipping
A customer's chosen vendor was under two years in business. Their primary lender refused to approve the vendor for pre-funding. We stepped in, approved the vendor, and wired payment to them before equipment shipped — protecting both the buyer and the sale.
No Down Payment. No Payments for 90 Days.
A business owner was approved elsewhere — but with a required down payment they couldn't cover. We offered zero down and a 90-day payment deferral so the business could generate revenue from the equipment before the first payment was ever due.
We Didn't Need the Waiver. They Did.
A business owner was denied by their bank because they couldn't secure a landlord waiver for equipment at a leased location. We structured around it. No waiver required. Closed and funded while their bank was still sending paperwork.
We Understand the Business — Not Just the Credit File
Every deal above was declined, stalled, or turned down by another lender. We closed all of them. The difference isn't just speed — it's 20+ years of knowing how to structure a transaction when the situation doesn't fit a template.
Get My Financing Options →Built for Business Owners
Who Can't Afford to Wait
We work with established businesses that have real growth in front of them and need a financing partner that moves at the speed of the opportunity.
2+ Years in Business
Our primary focus. Established businesses with operating history and demonstrable cash flow. Newer businesses considered case-by-case for equipment with strong collateral value.
$250K–$10M+ in Annual Revenue
We work across a wide revenue range. What matters more than a threshold: consistent cash flow, clear use of funds, and a business that can service the debt from operations.
Declined or Underserved by Banks
The bank said no, moved too slow, or wanted conditions your deal can't meet. That's exactly where we operate. We evaluate the full picture — not just a checklist.
$25K to $2M in Equipment · $5K to $1M in Working Capital
Equipment financing from $25K to $2M per transaction. Working capital and lines of credit from $5K to $1M. Application-only approval up to $300K — no financial statements required.
Imperfect Credit Considered
We don't disqualify on credit score alone. Strong business fundamentals — cash flow, industry, asset quality — can offset a challenged credit profile. Start the conversation first.
Any Industry, Any Equipment Type
Medical, construction, transportation, manufacturing, restaurant, technology. If the equipment generates revenue or the business has cash flow to service the debt, we can likely structure it.
Deals That Made a
Real Difference
We don't just fund transactions. We fund milestones — the equipment that wins a contract, the capital that enables an acquisition, the loan that launches a practice.
From Conversation
to Funded
Three steps. No committees. No surprises. We've stripped out everything that makes financing slow and painful — what's left is a process that moves at the speed your business demands.
Get My Financing Options →Consult
Tell us about your business and what you need. A 10-minute call or a quick form — no lengthy applications, no hard credit pull to get started.
Takes 10 minutesStructure
We review your deal and come back with the right structure for your situation — rate, term, and payment disclosed upfront. No surprises, no hidden fees.
Decision within 24 hoursFund
Sign electronically. We wire directly to your vendor or your account. Equipment deals, working capital, cash-out — funded and done.
Typically 1–3 business daysStraight Answers to
the Questions That Matter
Get Your
Financing Options
Tell us about your business and what you need. We respond same business day — usually within a few hours.
Prefer to talk? Call us directly at (949) 229-5521 or email loans@vendorcapitalgroup.com.
Institutional-Grade Financing.
Built for Small Business.
Businesses across the U.S. have relied on our team to close deals other lenders declined.