How fast can I get approved for equipment financing?

Most decisions come back within 24 hours. Deals under $75,000 can get approved within a few hours. Same-day funding available on approved deals.

Do you finance dental and medical equipment?

Yes — dental chairs, CAD/CAM systems, X-ray, imaging, and more. Application-only up to $150K for established practices (2+ years). Excellent rates for doctors with good credit.

Does it cost anything to apply for equipment financing?

No — applying is completely free. We only get paid when your deal funds. Our fee is built into the financing.

Equipment Finance & Capital Advisory — Ventura, CA Financiamiento de Equipos — Ventura, CA

Capital that moves as fast as
your business Capital que se mueve tan rapido
como su negocio

Fast, flexible equipment financing for construction, dental, medical, restaurant, and more — even when banks say no. 24-hour decisions. No cost to apply. You work directly with Oscar, not a call center. Financiamiento rapido y flexible para equipos — incluso cuando el banco dice no. Decisiones en 24 horas. Sin costo para aplicar. Se habla español.

Apply Now — It's Free Aplicar — Sin Costo Call (714) 388-2672

⚡24-Hour Decisions

✓550+ Credit OK

🌐Se Habla Español

$No Cost to Apply

24h

Credit Decisions

550+

Credit Score OK

$5k+

Min. Deal Size

100%

Sec. 179 Eligible

How It Works

Three steps to funded

Tell us what you need. We match you to the right lender, handle the paperwork, and get you funded — often in 24–48 hours. No runaround, no call centers.

Tell Us What You Need

Fill out the form or call directly. Equipment type, rough cost, basic business info. No lengthy applications — a 5-minute conversation gets us started. Don't know exactly what equipment you want? We can source options too.

We Match You to the Right Lender

We shop your deal across our full lender network and match you to the best fit for your credit profile, industry, and equipment type. More lenders means more options and better rates than going to one bank.

Get Approved & Funded Fast

Decisions in 24 hours or less. Same-day funding available on qualifying deals. Sign electronically. Get your equipment on the job site — not waiting on a bank for three weeks.

Industries We Serve

Built for the businesses
that build everything else

Construction, dental, medical, restaurant, trucking, veterinary, solar, and more. See full program details by industry →

🏗️

Construction & Heavy Equipment

Excavators, cranes, telehandlers, concrete pumps, skid steers — fast approvals for contractors of all sizes, including 550+ credit and new businesses.

See your numbers
before you apply

Estimate your monthly payment and Section 179 tax savings in real time. No commitment, no credit pull.

Equipment Cost $50,000 Your State Credit Profile Loan Term

Your Estimate

Est. Monthly Payment—

Total Equipment Cost—

Federal Section 179 Savings (25%)—

State Tax Savings—

Total Estimated Tax Savings—

Your Real Cost After Tax—

* Estimates only. APRs vary by lender, equipment, and credit profile. Buyers with 720+ FICO and 5+ years in business may qualify for lower rates. Section 179 assumes 25% federal bracket. CA deduction capped at $25k. Consult your CPA.

Apply Now — No Cost →

Tax Strategy

The Section 179 advantage

Finance equipment and deduct 100% of the cost this tax year — even if you didn't pay cash. Most contractors don't know this. The ones who do use it every year.

Instead of writing a check to the IRS —
own equipment that makes you money.

Section 179 lets you deduct the full purchase price of qualifying equipment in the year it's placed in service. You finance it, you still get the full deduction. 2025 federal limit: $1,220,000

Business profit this year	$120,000
Equipment financed	$80,000
Taxable income after deduction	$40,000
Tax bill without equipment	~$30,000
Tax bill with equipment	~$10,000
Money saved	~$20,000

* Consult your CPA. General illustration only. CA Section 179 state deduction capped at $25,000.

What qualifies?

New and used heavy equipment
Construction machinery
Dental & medical equipment
Restaurant & food service equipment
Veterinary equipment
Solar & clean energy equipment
Trucks and work vehicles
Manufacturing & industrial equipment
Equipment placed in service this tax year

Loan vs. Lease

Equipment Loan

You own from day one. Full Section 179 deduction. Best for long-term equipment use.

Equipment Lease

Lower monthly payments. Option to upgrade at end of term. Best for fast-evolving equipment.

Calculate Your Savings →

Real Deals, Real Results

How we've helped
businesses like yours

Anonymous deal snapshots — real situations, real outcomes. Names and identifying details changed for privacy.

🏗️ Concrete Contractor — Los Angeles, CA

Shotcrete pump needed for pool & retaining wall jobs — bank declined twice

$45kEquipment

610FICO

36hTo Funded

A 2-year-old concrete business needed a Reed shotcrete pump to take on pool and retaining wall jobs. Bank declined twice citing insufficient history. We sourced California dealer options, built a bilingual comparison report, and submitted to our lender network. Approved in 36 hours at ~$910/month.

Funded. Owner saved ~$13,500 in taxes that year using Section 179.

🦷 Dental Practice — Orange County, CA

New dentist opening first practice — $95k in equipment, no business history

$95kEquipment

720FICO

48hTo Funded

A dental equipment sales rep referred a new dentist opening her first practice. Chairs, X-ray, and sterilization unit — $95k total, zero business history, strong personal credit at 720. Structured with personal guarantee and 20% down. Funded in 48 hours at ~$1,800/month over 60 months.

Funded. Practice opened on schedule. Sales rep earned referral fee and sends every new client.

🍽️ Restaurant Owner — San Diego, CA

Commercial kitchen buildout for second location — 595 FICO, previous late payments

$32kEquipment

595FICO

Same dayFunded

Restaurant expanding to a second location needed refrigeration, an industrial oven, and a dishwasher system. 595 credit score, a few old late payments. Banks said no. We matched him to a lender comfortable with restaurant cash flow. App-only, same-day approval.

Funded same day. Second location opened within the week. ~$650/month.

🏗️ Excavation Company — Ventura County, CA

18 months in business, needed mini excavator to stop leaving jobs on the table

$78kEquipment

580FICO

48hTo Funded

An 18-month-old excavation company was turning down contracts without a mini excavator. 580 credit, no business credit established. Structured with 20% down ($15,600) which he had saved. Lender approved on equipment value and bank statement cash flow — no tax returns needed.

Funded in 48 hours. First new contract signed the following week.

Common Questions

Straight answers,
no runaround

The questions we hear every day — answered plainly.

What credit score do I need?+

We work with lenders approving from 550+. Higher scores get better rates, but we have programs for challenged credit, recent bankruptcies, and startups. The best way to know is to apply — no cost, no obligation, no credit pull to submit.

How fast is the approval?+

Most decisions within 24 hours. Deals under $75,000 can get approved in a few hours — app-only, no financials needed. Once approved and docs signed, funding is same day or next business day.

What documents do I need?+

Under $75K — just an application and equipment invoice. No financials. Larger deals may need 3 months of bank statements. Tax returns only required on some deals over $250K with non-preferred collateral. We keep it simple.

Can I finance used equipment?+

Yes — new and used. Yellow iron from 2010 and newer qualifies with most lenders. Older equipment can sometimes be used as additional collateral to reduce a down payment. Age and condition affect terms but rarely disqualifies a deal entirely.

My business is under 2 years old — can I still get financing?+

Yes — we have dedicated new business programs. Usually requires 650+ FICO, preferred equipment collateral (construction, CNC, forklifts, etc.), and a down payment or one advance payment. New medical and dental practices also have their own programs. We'll tell you exactly what to expect before you apply.

Do you finance dental, medical, or restaurant equipment?+

Yes — dental chairs, CAD/CAM, X-ray, commercial kitchen equipment, veterinary equipment, solar, and more. Doctors and dentists with good credit get some of our lowest rates (8–12% APR) through dedicated medical programs. New practices welcome. Student loan debt does not count against your eligibility with our lenders.

What are the minimum and maximum amounts?+

Minimum $5,000. We go up to $20M for large complex deals. App-only approvals available up to $400K with the right credit profile. Most common deals range from $15,000 to $250,000.

Does it cost anything to apply?+

Zero. Applying is completely free. We only get paid when your deal funds, and our fee is built into the financing — no out-of-pocket cost to you for our services.

Can you help me find the equipment too, not just finance it?+

Yes — tell us what you need and we'll source options from verified California dealers, put together a bilingual pricing report with Section 179 savings, and finance the deal once you choose. One call handles everything from sourcing to funded.

Principal &
Founder

About

Oscar Reyes

Principal, Reyes Capital Partners

B2B sales professional with 5+ years closing commercial contracts across multiple industries. Based in Ventura, California, Oscar founded Reyes Capital Partners to bring fast, flexible equipment financing to contractors and business owners who deserve better than what traditional banks offer.

Bilingual in English and Spanish, Oscar works directly with each client — from sourcing equipment options to funding the deal. No call centers. No middlemen. No runaround.

Based in Ventura, California — Serving Nationwide

Bilingual — English & Español

Construction, Dental, Medical, Restaurant, Solar & More

We source equipment options AND finance the deal

You always talk directly to Oscar — no call centers

Referral Partners

Losing deals to
financing?

Equipment dealers, dental supply reps, medical device reps — when your buyer can't pay cash, you lose the sale. Refer the deal to us, we fund it in 24–48 hours, you earn a referral fee.

💰

Earn Referral Fees

Get paid when your referral funds. Simple, transparent, we pay fast.

⚡

Save Deals You're Losing

Buyer says they can't afford it right now? That's your cue to call us.

🌐

Bilingual Support

We serve Spanish-speaking clients directly — valuable for your Latino customer base.

📋

We Handle Everything

You make the introduction. We handle application, lender shopping, approval, and funding.

Become a Partner

Capital that moves as fast asyour business Capital que se mueve tan rapidocomo su negocio