Turning down jobs because the cash isn't there yet?

BizLending360 connects businesses with financing solutions to help them acquire equipment, improve cash flow, and pursue growth opportunities.

Our financing solutions include equipment financing and working capital for qualified businesses.

BizLending360 works with businesses across a wide range of industries, including:

• Construction and contracting
• Medical and dental practices
• Transportation and trucking
• Manufacturing and distribution
• Restaurants and hospitality
• Technology and professional services
• Established businesses and qualifying startups

Whether you're a small business or an established company, we can help you explore your financing options.

Our two primary financing solutions are:

• Equipment Financing: Helps businesses purchase new or used equipment, machinery, technology, and other essential business assets.
• Working Capital: Provides financing that eligible businesses can use for operational expenses, expansion, inventory, and other business needs.

Our general financing guidelines include:

• Equipment Financing: Credit scores starting around 580.
• Working Capital: Credit scores generally starting around 620.

These are preliminary guidelines. Approval depends on the lender, business qualifications, credit history, and other underwriting factors.

For working capital, businesses generally need at least one year of operating history.

Equipment financing may also be available to qualifying startups, particularly when the business owner has relevant industry experience and a solid business plan.

Absolutely! BizLending360 offers financing options for both new and used equipment.

Whether you're purchasing construction machinery, medical equipment, manufacturing equipment, or commercial vehicles, we can help you explore your options.

Equipment age, condition, and eligibility are subject to lender approval.

Yes! BizLending360 welcomes software-only financing opportunities.

Depending on the financing program, eligible purchases may include business software, technology systems, and other digital solutions.

This allows businesses to invest in technology without necessarily paying the entire purchase price upfront.

You may still have financing options! BizLending360 considers equipment-financing opportunities for qualifying startups.

Having relevant industry experience, a well-developed business plan, and an acceptable credit profile can strengthen your application.

Our financing specialists can review your circumstances and help determine which programs may be available.

Working capital can help eligible businesses manage expenses and pursue growth opportunities. Common uses include:

• Purchasing inventory
• Hiring additional employees
• Managing operational expenses
• Supporting seasonal cash-flow needs
• Funding expansion
• Taking advantage of new business opportunities

Permitted uses depend on the specific financing agreement.

That depends on your business and financial situation.

Traditional banks are one option, but specialized equipment financing may provide additional opportunities, particularly for businesses looking to preserve existing banking relationships or working capital.

BizLending360 helps you explore available financing solutions so you can compare your options and make an informed decision.

Yes. That's one of the potential advantages of equipment financing.

Rather than paying the entire equipment purchase price upfront, financing allows qualifying businesses to spread payments over an agreed period.

This can help preserve available cash for payroll, inventory, operating expenses, and future growth.

Payment amounts and terms depend on the approved financing agreement.

Yes. Certain equipment purchases may qualify for tax benefits under IRS Section 179.

Depending on your business, the equipment purchased, and applicable tax regulations, you may be eligible for deductions or other tax advantages.

Your tax professional can determine which deductions apply to your business.

Financing approval does not guarantee eligibility for any particular tax deduction.

See what you could write off with our Section 179 calculator →

The amount depends on several factors, including:

• Your business's financial condition
• Credit history
• Time in business
• Equipment type and purchase price
• Cash flow and repayment ability
• Specific lender requirements

Our financing specialists will review your needs and help identify suitable financing opportunities.

Financing timelines vary depending on the lender, type of financing, requested amount, and completeness of your application.

Providing accurate business information and requested documentation promptly can help avoid unnecessary delays.

Our goal is to make the financing process as straightforward and efficient as possible.

Getting started is simple!

Step 1: Tell Us What You Need
Whether it's equipment financing, software financing, or working capital, let us know what you're looking to accomplish.

Step 2: Review Your Financing Options
Our financing specialists will evaluate your business's needs and discuss available financing programs.

Step 3: Move Your Business Forward
If approved, review your financing terms, complete the required documentation, and put your financing to work.