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Small Business Equipment Financing

Helping small business owners find equipment financing services that are right for them.

Small Business Equipment Financing

Charter Capital has been in the small business equipment financing industry since 1977. We’ve worked with thousands of clients to identify and obtain the smartest financing solutions. We truly understand small businesses because we’ve been one for over forty years.

Experience has taught us that there is no one-size-fits-all solution when it comes to equipment financing for a small business. Your situation is unique, and we will work with you to find the ideal option.

We also understand that equipment financing for a small business can be very complex, confusing and intimidating, especially if you are not familiar with the subtleties and potential pitfalls of commercial borrowing. Let Charter Capital guide you to the right loan with the right terms and right conditions for your company.

Our small business equipment lending network allows us to finance just about any type of equipment or software from $10,000 to $1,000,000.

We can structure level payments, seasonal payments, skip payments or balloon payments.

Here are some examples of what we’ve helped small businesses finance in the past:  

Financing equipment for your small business does not have to be a confusing process. With an experienced financial broker by your side, you’ll have access to multiple financing options and a professional to explain each one. Contact Charter Capital to get connected with an equipment financing expert today.

Some of our customers

  • Are interested in the lowest rate.
  • Are interested in a specific tax treatment.
  • Want to avoid breaching existing lending covenants.
  • Are interested in the longest term.
  • Are interested in getting reimbursed for equipment they have already paid for.
  • Want seasonal or other cyclical structures.
  • Want to finance software.
  • Want to us to give the seller a deposit before the equipment is shipped.

All of our customers want a fair deal at a fair price and no surprises.

Small Business Equipment Financing with Bad Credit

At Charter Capital, we have built close relationships with a network of banks and lenders over the past 40 years of being in business. Our network includes:

  • commercial banks
  • commercial finance companies
  • independent community banks (over 4,500)
  • investment groups

Because of our range of partners, Charter Capital has the power to connect small businesses with bad credit to the financing they need. We can connect you with lenders that are trustworthy and able to help.

Financing equipment for a small business with bad credit is not impossible. But it does require that you are prepared and vigilant. Certain companies in the small business equipment lending industry try to take advantage of business owners who don’t know the financing landscape’s specifics. To avoid having the wool pulled over your eyes, watch out for these signs:

  1. Upfront fees that the lender disguises as application fees or document processing fees. Here is a breakdown of real lending fees and what they mean.
  2. Companies requesting a lot of sensitive information early on. Be careful about what companies you share important information with. Some untrustworthy small business lending agencies will engage in identity theft if you give them the opportunity.
  3. Lack of details in loan agreements. If the terms about equipment financing for your small business will “be determined later” or there are many blank areas on the forms, run in the other direction. The lender should be honest and upfront about the details of the loan every step of the way.

Connect with us and apply now