Fast, flexible financing for construction, dental, medical, restaurant, veterinary, solar, and manufacturing businesses. 24-hour decisions. 550+ credit OK. Se habla español.
We specialize in construction and heavy equipment financing for contractors across California. Whether you're buying your first excavator or expanding a fleet, we get decisions in 24 hours — even with challenged credit or limited business history.
Equipment we finance: excavators, telehandlers, cranes, bulldozers, graders, skid steers, compactors, concrete pumps, shotcrete pumps, backhoes, mini excavators, dump trucks, and more. New and used equipment welcome.
Most construction equipment deals get a decision within 24 hours. App-only up to $75K — no financials required.
We specialize in challenged credit, startups under 2 years, and businesses banks have declined.
Equipment from mini excavators to large cranes. Terms 24–60 months. No minimum FICO required with Maxim.
Doctors and dentists with good credit get access to our best rates — as low as 8–12% APR through dedicated medical financing programs. Application-only up to $150K for established practices with 2+ years in business.
New practice? We have programs for dentists and doctors opening their first office. Student loan debt does not affect your creditworthiness with our lenders — they focus on your professional license and credit profile.
Equipment we finance: dental chairs, CAD/CAM systems, digital X-ray, CBCT scanners, panoramic units, surgical tools, autoclaves, medical imaging, ultrasound, laser equipment, exam tables, and practice buildouts.
Established practices with 650+ FICO qualify for our best rates through dedicated medical financing programs.
No financial statements needed up to $150K for licensed doctors and dentists with 2+ years in practice.
Opening your first office? Programs exist for brand new practices — typically requires 10% down and 650+ FICO.
We finance restaurant equipment faster than any bank — same-day approvals available on qualifying deals. Whether you're opening a second location, replacing equipment, or upgrading your kitchen, we get it done without the paperwork headache.
Equipment we finance: commercial ovens, walk-in refrigeration, dishwashers, grills, fryers, hood systems, prep tables, POS systems, food trucks, sushi robots, espresso machines, and full commercial kitchen buildouts.
Restaurant deals under $50K with good credit can fund the same day you apply. No waiting weeks for a bank decision.
Standard restaurant deals require 590+ FICO and 2+ years in business. New restaurant programs also available.
Non-franchise restaurants capped at $50K through fast-approval programs. Higher amounts available for franchises.
We finance Class 6 and Class 8 trucks, trailers, and vocational vehicles for owner-operators and small fleets. New CDL holders welcome. Non-CDL considered. No minimum FICO — we've funded trucks for borrowers with discharged bankruptcy.
Equipment we finance: semi trucks, dump trucks, flatbeds, reefers, box trucks, tank trucks, tow trucks, utility trailers, and other commercial vehicles. 2019 or newer for most programs.
Discharged bankruptcy, no credit, new CDL — we have programs designed specifically for these situations.
Same-day decisions on owner-operator truck purchase financing. Get behind the wheel faster.
App-only truck financing up to $74K at up to 80% LTV. 12–60 month terms. GPS required at funding.
Veterinary practices are classified as preferred collateral by our lenders — meaning faster approvals, better rates, and more flexibility. D.V.M. license holders qualify for application-only financing up to $100K with 2+ years in business.
Equipment we finance: surgical tables, digital X-ray, ultrasound, anesthesia machines, dental units, autoclaves, endoscopes, laboratory equipment, practice management systems, and kennel equipment.
D.V.M. license holders with 2+ years in practice qualify for app-only financing up to $100K — no financial statements needed.
Veterinary equipment is classified as preferred collateral, which means lower rates and faster approvals than general equipment.
Opening your first practice? App-only up to $75K even with under 2 years in business. 650+ FICO required.
California's solar mandate is creating enormous demand for solar installation equipment. We finance solar panel systems, battery storage, and installation equipment for commercial solar contractors and property owners adding solar to their buildings.
Important: solar equipment is classified as preferred collateral only when the owner also owns the commercial property. If you're installing on a leased property, the equipment is still financeable under standard programs.
Solar equipment qualifies for Section 179 — deduct the full cost in year one even if you financed it. Major tax win.
Property owners installing solar on their commercial building qualify for preferred collateral rates — lower APR, faster approval.
Flexible terms match your solar payback period. Finance the system, start saving on energy immediately.
CNC machines, forklifts, industrial machinery, woodworking equipment, and production tools are classified as preferred collateral — meaning better rates, higher loan-to-value ratios, and faster approvals than general equipment loans.
Finance the production capacity that lets you take bigger contracts without tying up your working capital. Keep cash in the business for materials, payroll, and operations.
CNC machines, forklifts, and industrial machinery are preferred collateral — highest LTV and best available rates.
Application-only approvals up to $400K for preferred manufacturing collateral with strong credit profile.
Up to 72-month terms available on qualifying deals. Match your payment to equipment's revenue contribution.
Seasonal businesses are welcome. We structure agriculture equipment deals around your revenue cycles — not a banker's fixed calendar. Ventura County is one of California's most productive agricultural regions and we understand the business.
Equipment we finance: tractors, harvesters, irrigation systems, sprayers, balers, ground preparation equipment, cold storage, processing equipment, and specialty vehicles for agricultural operations.
Payment structures that accommodate seasonal revenue — we understand harvest cycles and plan accordingly.
Yellow iron from 2010 and newer qualifies. Older ag equipment can be considered as additional collateral.
Full service in English and Spanish. Many Ventura County growers work directly with Oscar in Spanish.