Get financing for capital equipment, commercial vehicles, and business loans with low interest, quick turnaround, and terms tailored to your needs.
Find Your Rate Here†
- 725+ Credit Score
- 7+ Years In Business
- Excellent Business Credit & Pay History
- Comparable Business and Personal Debt Reference
- 700+ Credit Score
- 5+ Years In Business
- Good Business Credit & Pay History
- Comparable Business and/or Personal Debt Reference
- 675+ Credit Score
- 5+ Years In Business
- Above-Average Business Credit & Pay History
- Comparable Business and/or Personal Debt Reference
- No Startups
- 650+ Credit Score
- 3+ Years In Business
- Some Business Credit With Acceptable Pay History
- Comparable Business and/or Personal Debt Reference Preferred
Whether you need a business loan for cash flow, expansion, inventory, or operations, or you need financing to acquire essential business equipment, Western Financial helps business owners find practical funding solutions with competitive terms and a simple application process.
Have Questions Or Need More Information? See Our FAQs Below or Call Us Today
How It Works
- Complete Our Simple Online Application in 5–10 Minutes. Provide basic business information, ownership information, and equipment details
- Get A Decision—often same day—with clear terms and any pre-funding conditions to be satisfied
- Doc, Fund, & Deliver. We coordinate all necessary documentation with you and your vendor for a smooth funding and delivery
Why Businesses Choose Us:
Transparency – upfront rates and criteria, clear terms, simple & concise contract
Low Rates, Low Interest – we are a leader in our industry because of our transparency
Quick Decisions (usually same-day) and streamlined e-signing
Flexible Terms (typically 12–72 months) and seasonal payment options available
$0 Down and deferred payments available
No Prepayment Penalties
All Types of capital equipment and commercial vehicles
New Or Used Equipment – no age restrictions on equipment and no age/mileage restrictions on vehicles
Nationwide Network of dealers and private-party sellers supported
Finance the Equipment Your Business Needs to Grow
When your business needs essential equipment, paying the full purchase price upfront is not always the best use of working capital. Capital equipment financing gives companies a way to acquire the machinery, vehicles, technology, and business equipment they need while preserving cash flow for payroll, inventory, operations, marketing, and expansion.
At Western Financial, we help businesses explore capital equipment financing and equipment loan options designed to support growth, productivity, and long-term investment. Whether you need to replace outdated equipment, expand your capacity, upgrade technology, or purchase mission-critical assets, our team can help you find a financing solution that fits your business goals.
Financing is available for qualified businesses seeking:
- Construction equipment
- Manufacturing machinery
- Commercial vehicles and trucks
- Medical and dental equipment
- Restaurant and food service equipment
- Technology and IT infrastructure
- Office equipment
- Agricultural equipment
- Auto repair equipment
- Printing and packaging equipment
- Heavy equipment and specialized machinery
- Tow Trucks & Wreckers
FAQs
What Credit Scores Do You Consider?
We work with a range of scores starting at 650 and higher. We consider business credit scores and other criteria as well. Rates and terms depend on overall profile strength, time in business, and other factors. You can view our current rates and criteria near the top of this page
Is It A Hard Inquiry Or A Soft Inquiry On My Credit?
We only use soft inquiries for qualifying and offering terms. A hard inquiry may be needed prior to funding but not in most cases
Can I Finance Used Equipment Or Private-Party Purchases?
Yes. Equipment loans and leases are available for new or used equipment and from dealers or private-party sellers.
How Fast Can I Get Funded?
Most approvals are same-day, and funding can follow once conditions are satisfied. Timing varies by the nature of the transaction, number of locations and vendors, and whether the equipment is titled (vehicle) or not, but generally the turnaround time from application to funding is 1-4 business days
Do You Finance Amounts Larger Than $350,000?
Yes. We will require your most recent 1 or 2 years of tax returns for amounts larger than $350,000
Do You Offer Seasonal Or Deferred Payments?
Yes. Payment options include seasonal, step up, or deferred structures for qualified applicants
Can I Finance Soft Costs Such As Shipping, Installation, And Training?
Yes. Soft costs up to 20% of the equipment cost can be included in the financed amount
† Rates shown are for qualified applicants, are simple interest, and are subject to change. Final approval, rate, & terms offered after underwriting. Example: On a $150,000 loan at 8.15% APR for 36 months, estimated payment is $4710.84, total of payments is $169590.24. Not all applicants will qualify. Terms and availability vary by credit profile. Not all qualifications are listed and applicants who meet listed qualifications are not guaranteed approval.