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EQUIPMENT LEASING — 42 SOURCES — A THROUGH D PAPER

Equipment Leasing & Financing — Every Credit Tier

42 equipment leasing and financing sources split by credit tier. Prime A paper rates for established businesses, challenged credit programs for the rest. App-only up to $250K. 4-hour approvals available. All equipment types. All 50 states.

42
Equipment Sources
4 hrs
Fastest Approval
$5K–$50M
Funding Range
All 50
States
42
Equipment Sources
A–D
All Credit Tiers
$5K–$50M
Funding Range
App-Only
Up to $250K
4 Hrs
Fastest Approval

Equipment Leasing Credit Tiers Explained

Unlike MCA, equipment leasing uses the equipment itself as partial collateral — which means even challenged credit can often get approved. We match your profile to the right tier and lender.

A PAPER

A-Credit Equipment · 650+ FICO

Prime rates, 24–84 month terms, lowest deposits or none. Established businesses with strong financials.

A PaperB Paper
ELGA — Equipment Leasing Group of America
Northfield, IL · $25K–$50M
Min Range
$25,000
Max Range
$50,000,000
App-Only
Up to $75,000
Terms
24–84 months
A and B paper specialist. Middle market focus. Manufacturing, healthcare, construction, government, IT/software. CapEx funding programs. Structured transactions. Manual credit reviews on every deal. Collateral in lieu of cash down payment available.
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A PaperB Paper
4 Hour Funding — Centra Funding
Plano, TX · App to funding in 4 hours
App-Only
Up to $200,000
Credit Tiers
1A through 2A
Medical Program
Yes
Terms
12–84 months
Fastest in the industry — application to vendor payment in under 4 business hours. Medical/dental license date scoring. No prepayment penalty program. 90-day deferral for qualified. New business program up to $75K.
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A Paper
Balboa Capital
Irvine, CA · Equipment + MCA
Min FICO
620+
Min Revenue
$12,000/mo
Max
$500,000
Terms
24–60 months
A paper. Equipment + MCA from same source. App-only up to $150K equipment. Manufacturing, transportation, commercial vehicles.
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A PaperB PaperC Paper
TimePayment
National · All credit types
Range
$500–$1.5M+
Credit Range
All types
Approval
Seconds (auto)
Portal
InfoHub online
Full spectrum lender. Automatic approvals in seconds for standard deals. Startup and challenged credit supported. Industry agnostic.
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B PAPER

B-Credit Equipment · 550–649 FICO

Fair credit programs. Higher deposit or down payment typical. Revenue and time in business weighted. More lenders willing to look.

B PaperA Paper
ELGA — Equipment Leasing Group of America
Structured credit specialist
Range
$25K–$50M
Structure
Collateral-based options
App-Only
Up to $75K
Manual Review
Every deal
ELGA's structured credit programs are built for B paper companies that don't fit bank boxes. Collateral in lieu of cash down payment. 40+ years experience building custom solutions.
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B Paper
360 Equipment Finance — Pennybacker Program
Austin, TX · B paper specialist
Range
$5,000–$150,000
Program
Pennybacker
Turnaround
Fast
Broker
100% originated
360's named B paper program. Competitive rates for fair credit borrowers. All equipment types. 100% broker-originated — never poaches.
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B PaperC Paper
Targeted Lending Co.
Buffalo, NY · 25+ years
Range
$5,000–$250,000
Terms
12–72 months
Pricing
Pick Your Own (PYOP)
Funding
Same-day
3-tier common sense credit approach. Pick Your Own Pricing model. App-only programs. Titled vehicles. 100% pre-funding. DocuSign. No volume commitments, no poaching.
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C PAPER

C-Credit Equipment · Challenged Credit

Credit events, bankruptcies, liens. 15–20% deposit typical. Equipment serves as primary collateral. YES Leasing and 360 Subprime specialize here.

C PaperD Paper
YES Leasing — Wheel Equipment Leasing LLC
Since 1975 · Challenged credit specialist
Range
$5,000–$500,000
Deposit
15–20%
In Business
Since 1975
Types
All equipment
The challenged credit equipment specialist. Says YES since 1975. 15–20% deposit. Customized programs for even most difficult customers. Never poaches vendors. Construction, trailers, all equipment types.
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D PaperC Paper
360 Equipment Finance — Subprime Program
Austin, TX · Distressed credit
Range
$5,000–$150,000
Program
Subprime
Turnaround
Fast
Broker
100% originated
360's Subprime program for distressed credit. Often approves deals declined by banks and traditional leasing companies. 100% broker-originated.
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B PaperC Paper
360 Equipment Finance — Heavy Metal Program
Construction/heavy equipment
Range
$5,000–$150,000
Program
Heavy Metal
Equipment
Construction/Heavy
Broker
100% originated
360's construction and heavy equipment specialty program. Excavators, dump trucks, cranes, yellow iron. Challenged credit considered.
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C Paper
Targeted Lending Co. — Tier 2 & 3
Buffalo, NY · 3-tier approach
Range
$5,000–$250,000
Terms
12–72 months
Special
Titled Vehicles
Funding
Same-day
3-tier common sense credit. Tiers 2 and 3 handle challenged credit. Titled vehicles accepted. App-only programs. No poaching guarantee.
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APP ONLY

Application-Only Programs · All Credit Tiers

Fast decisions with minimal documentation. No full financial package required.

A PaperB Paper
4 Hour Funding — App-Only up to $200K
4-hour application to funding
App-Only Limit
$200,000
Turnaround
Under 4 hours
Medical
License date scoring
Prepay Penalty
No prepay option
Industry's fastest process. App-only up to $200K with non-credit bureau scoring. Medical license date used for healthcare. No prepayment penalty option available.
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A PaperB Paper
360 Equipment Finance — Brooklyn Program
App-only up to $150K
App-Only Limit
$150,000
Terms
24–60 months
Users
Vendors/End-users
Turnaround
Fast
Brooklyn program: app-only up to $150K for vendors and direct end-users. Credit-tiered pricing. No full financial disclosure required.
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A PaperB PaperC Paper
TimePayment
Seconds to approval
Range
$500–$1.5M+
Approval
Seconds (auto)
All Credits
Supported
Portal
InfoHub
Automatic approvals in seconds for most transactions. Supports startups and challenged credit through proprietary scoring model.
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🔧

We Know Which Equipment Lender Is Funding Your Industry Right Now

Equipment lender appetite changes constantly. Some shut off construction this quarter, others open up medical. We track 42 sources in real time and know which program fits your deal — credit tier, equipment type, and deal size — before we ever send your file.

Ready to Get Funded?

One call connects you to 250+ lender sources. We match your profile to the right program — no runaround.

Apply Now — Free Call (877) 935-8266