Equipment Financing
Up to $10M·2–5 days
The machine is the collateral. New or used, dealer or private sale — terms are matched to the working life of the equipment, so the payment tracks what the asset earns.
Price my equipment purchaseCommercial financing brokerage · All 50 states
Working capital and equipment financing, built with a guard rail.
FundGuard Capital arranges funding up to $20,000,000 through a vetted network of lending partners — structured so the payment fits the business, not the other way around. Funding should never put the business at risk. Ours doesn’t.
Checking options won’t affect your credit No fee to apply No obligation to accept
50
States covered — every U.S. small business market
12
Funding products matched from one application
24 hrs
Decisions in as little as 24 hours
1
Application — offers from multiple lenders, side by side
Twelve products, one application
Every structure a small business borrows with — under one roof.
One file goes out to the network. Offers come back from multiple lenders, priced side by side, so the structure gets chosen on the numbers.
Working Capital / Merchant Cash Advance
Up to $20M·24–48 hrs
An advance sized against real deposits, not projections. Built for short gaps — payroll, inventory, a job that starts before its invoice pays — and priced for a quick exit.
Size my advanceRate card — full scheduleAmounts per current lender-network schedule · soft pull only
03
Revenue-Based FinancingCapital sized to the revenue that repays it. Remittance follows the deposits — heavier months carry more, lighter months less.
Up to $10M
1–2 days
04
Business Term LoansOne fixed amount, one fixed schedule. The predictable way to fund a defined project with a known cost.
Up to $10M
3–7 days
05
SBA Loans — 7(a) & 504Government-guaranteed structures for acquisitions, owner-occupied real estate, and long-horizon growth.
Up to $5M
1–4 weeks
06
Business Line of CreditApproved capacity that waits on standby. Draw what the job needs, pay interest only on what you take.
Up to $5M
1–3 days
07
MCA ConsolidationMultiple daily payments compressed into one structure the business can actually carry.
Up to $10M
3–5 days
08
Commercial Real EstatePurchase or refinance for the property the business runs from — terms set against the building and the work it houses.
Up to $20M
2–4 weeks
09
Invoice / P.O. FinancingBilled work and confirmed orders turned into working cash now — not sixty days from now.
Up to $10M
1–2 days
10
Business Credit CardsRevolving spend kept separate from personal credit — with 0% introductory options where the file qualifies.
Up to $250K
1–2 weeks
11
Business-Purpose HELOCHome equity put to work strictly for the business — at pricing unsecured products cannot reach.
Up to $1M
2–3 weeks
12
Credit RepairDisputes, corrections, and a structured build plan — so the file reads stronger every quarter it runs.
Service
Ongoing
Flagship — equipment financing
Finance the machine against the work it will do.
Equipment is the rare purchase that carries its own collateral. That changes the underwriting math: the review centers on the asset’s value and working life, which is why files clear here that stall at a bank.
We place excavators, trucks, CNC machines, imaging systems, kitchen lines — anything with a serial number and a job to do — with the partners who actually want that class of asset on their books.
- The equipment secures itself. Personal assets stay out of the structure wherever the file allows.
- Terms match the asset’s working life. The payment schedule is set against the years the machine will earn, not an arbitrary calendar.
- Used and private-party friendly. Auction lot, dealer floor, or a competitor selling off a rig — all financeable.
The process
Six steps from application to funded — no step hidden.
Step 01
Apply
Minutes, one page, done. The application is deliberately short, and nothing about it touches your credit report.
Step 02
Review
A funding advisor reads the numbers with a soft credit pull only — no credit impact, no exceptions.
Step 03
Compare
Your file goes across the lending-partner network. Offers from multiple lenders come back side by side — amounts, terms, and total cost.
Step 04
Approval
Often the same business day. Every number is on paper before you decide, and walking away costs nothing.
Step 05
Funding
Capital lands in as little as 24 hours once you accept, on the timeline the product sets.
Step 06
Grow
The payment is structured to fit the business, so the capital builds it instead of straining it. Next time, the file is already built.
Qualification
What the network looks for.
Clear minimums, stated up front — no guessing where the bar sits.
Industries
Built around how your industry actually gets paid.
Every trade has its own cash-flow physics. The structure has to respect them.
Construction
Progress-billing gaps, bonded jobs, and iron that can’t wait for the draw.
Trucking & Transport
Trucks, trailers, and the settlement lag between the load and the pay.
Manufacturing
CNC, tooling, and raw-material buys that land ahead of the purchase order.
Medical & Dental
Imaging, chairs, and buildouts financed around insurance-receivable lag.
Restaurants
Kitchen lines, refits, and the slow season wedged between two strong ones.
Retail
Inventory ahead of peak, POS upgrades, and the second-location buildout.
Beyond capital
Payment Processing
Card and ACH acceptance set up so more of every sale stays in the business.
Bookkeeping
Clean monthly books — the same numbers lenders want to see.
Payroll
The team paid on time and the filings handled, every cycle.
Advisory
A straight read on which structure fits — before you borrow, not after.
Questions, answered straight
What owners ask before they apply.
Decisions come back in as little as 24 hours. Funding speed then follows the structure: working capital typically lands in 24–48 hours, revenue-based and invoice financing in 1–2 days, lines of credit in 1–3 days, equipment financing in 2–5 days, term loans in 3–7 days, MCA consolidation in 3–5 days, and SBA loans in 1–4 weeks.
No. The initial review uses a soft credit pull, which is invisible to other lenders and does not change your score. A hard inquiry only ever happens later, with a specific lender, and only with your explicit go-ahead.
For working capital and merchant cash advances, partners generally look for a 500+ FICO score, six or more months in business, and $10,000 or more in monthly revenue. Term loans and SBA structures set a higher bar — typically a 650+ FICO and two or more years in business. Each partner draws its own line, which is exactly why one file goes to a network instead of a single desk.
Three to four months of business bank statements and a one-page application — that covers most products. Larger structures such as SBA loans and high-limit term loans add tax returns and basic financial statements, and you are told exactly what is needed before anything is submitted anywhere.
It depends on the structure, and it is fixed in writing before you sign. Working capital advances remit automatically on a daily or weekly schedule sized to your deposits. Term loans, SBA loans, and real estate financing carry set periodic payments. Lines of credit and credit cards charge only on what you actually draw. Whatever the product, the full schedule and total cost are on paper before you commit.
No. FundGuard Capital is a broker. Financing is arranged through a network of third-party funding partners, and every offer is subject to that partner's underwriting review. That is deliberate: one application produces multiple competing options, and you are under no obligation to accept any of them.
Any legitimate business purpose: payroll, inventory, equipment, expansion, marketing, taxes, consolidating existing advances, or steadying cash flow through a slow season. The one boundary is that the capital stays business-purpose — that includes the HELOC, which is arranged strictly for business use.
Put a number on it.
One five-minute application. A soft pull. Real options within 24 hours — and no obligation to take any of them.
Every file is read by an advisor personally — begin yours and the desk takes it from there.