Application-Only Financing

Application-only means no tax returns or full financial statements, not zero documentation. We ask for a completed credit application and typically three months of business bank statements. That combination is usually sufficient for deals up to about $400,000.

Not necessarily for qualified applicants. The rate reflects your credit profile and the deal structure, not the documentation level. A strong applicant on the application-only track may price identically to the same profile on a fully documented deal.

Startup practices face a higher bar since there is no operating history to underwrite. Depending on the founding principals' personal credit strength and any pre-launch revenue, it may still be possible. We have a separate startup track worth discussing if you are under twelve months in operation.

Generally up to approximately $400,000. Above that threshold, we typically require the full documentation package. For purchases near the boundary, it is worth checking directly since the exact threshold can vary by program and credit profile.

Many complete requests receive a financing response within a short business window. From decision to funding is typically one to two weeks. If your situation is time-sensitive, tell us the hard deadline and we will prioritize accordingly.

Yes. New and pre-owned equipment both qualify under the application-only track, within the same purchase amount limits. The condition and age of the used system will factor into the underwriting, but documentation requirements remain the same.