Quick Financing Request
Best when you want an initial conversation or are not ready for the full application.
- Basic contact, business age, equipment and amount
- No documents required
- Not a credit application and does not authorize a credit pull
Business equipment financing nationwide
Equipment Financing That Looks Beyond Your Credit Score
When an equipment purchase has a strong business reason but does not fit a bank’s standard credit box, the full story matters. GFLS reviews the business, the asset, cash flow and the purpose of the transaction to help established companies and select newer businesses pursue financing from $25,000 to $5,000,000.
Call 480-478-7413 or send a text.
Veteran-ownedFounded in 2009NationwideBBB AccreditedDirect lender
Two ways to start
Choose the Right Starting Point
Both options go directly to the GFLS team. Choose the short request if you are still exploring, or the full application if you are ready to provide the complete transaction details.
Full Equipment Financing Application
Best when you have selected equipment and are ready for a complete transaction review.
- Business, ownership, equipment and seller details
- Optional supporting-document upload
- Adobe e-signature and credit authorization follow separately
Equipment Financing at a Glance
A clear starting point for businesses evaluating their next equipment purchase.
Financing range$25,000 to $5,000,000
EquipmentNew and used essential-use business assets
ApplicantsEstablished businesses and select startups or newer companies
Credit reviewThe complete transaction—not only a credit score
CoverageEquipment financing available nationwide
Financing Built Around the Business Case
Equipment can add capacity, replace an unreliable asset, fulfill a contract, improve efficiency or open a new revenue stream. Those facts may matter as much as a single number on a credit report.
GFLS takes a manual, transaction-focused approach. The review can consider time in business, recent cash flow, existing obligations, ownership experience, the equipment’s value and useful life, the seller, and how the purchase supports the operation. Credit challenges do not automatically end the conversation, although every approval and structure remains subject to underwriting.
What “looking beyond the score” means
It does not mean guaranteed approval. It means your request is evaluated as a complete business transaction. A clear explanation, an appropriate asset and an organized package can help the credit team understand strengths that a score alone may miss.
Industries and Equipment We Finance
GFLS reviews essential-use equipment across a wide range of industries. Start with the financing page that best matches your purchase, or send the quote if the asset is not listed.
Construction Equipment
Excavators, skid steers, loaders, dozers, cranes, paving equipment and other jobsite assets.
Explore construction financing →Medical Equipment
Imaging, diagnostic, dental, laboratory, aesthetic and practice-expansion equipment.
Explore medical financing →Manufacturing Equipment
CNC machines, machine tools, packaging systems, production lines and finishing equipment.
Explore manufacturing financing →Commercial Trucks
Semi-trucks, dump trucks, box trucks, reefers, tow trucks and eligible titled vehicles.
Explore truck financing →Logging and Forestry
Feller bunchers, skidders, loaders, chippers and specialized forestry equipment.
Explore forestry financing →Printing Equipment
Digital presses, wide-format systems, finishing equipment and commercial print machinery.
Explore printing financing →Essential-Use Equipment
Assets a business depends on to deliver its service, produce goods or complete daily work.
Explore essential-use financing →Specialized Equipment
Industry-specific assets that may require a closer look at value, useful life and operating purpose.
Tell us about the equipment →Already have a vendor quote or equipment listing? Send the basic details and let GFLS review the transaction.
Start Quick Request
Quick request · about 2 minutes
Quick Equipment Financing Request
Share only the basics so a GFLS specialist can understand what you need and contact you. This is not the full application and does not authorize a credit pull.
- Basic contact, equipment, amount and business age
- No documents required
- Use the full application when you are ready to provide complete transaction details
Prefer a conversation? Call or text 480-478-7413.
What Can Be Included in an Equipment Transaction?
The right structure depends on the applicant, equipment and seller, but GFLS can review more than a simple new-equipment purchase.
New Equipment
Finance equipment directly from an established dealer, distributor or manufacturer.
Used Equipment
Late-model and older assets may be considered based on age, condition, value and useful life.
Multiple Assets
Several machines or vehicles may be reviewed together as part of one expansion or replacement plan.
Qualified Project Costs
Freight, delivery, installation, rigging or other approved soft costs may be eligible in some transactions.
Dealer Purchases
GFLS coordinates with dealers and vendors so documentation can move alongside the credit review.
Private-Party Sellers
Some private-party purchases can be reviewed, subject to equipment, seller and documentation requirements.
Auction Purchases
Eligible auction transactions may be considered when timing, invoice and seller requirements can be satisfied.
Replacement or Growth
Requests can support a replacement, added capacity, a new contract or another clearly defined business need.
Equipment Financing vs. Equipment Leasing
Both approaches spread equipment cost over time. The better fit depends on ownership goals, cash flow, accounting treatment, expected useful life and the approved structure.
Equipment Financing
An equipment finance agreement is generally designed for businesses that expect to own the asset after completing the agreement. Payments, end-of-term obligations and early-purchase provisions vary by approval and documentation.
- Often suited to long-life equipment
- Supports an ownership-focused strategy
- May finance new or used assets
- Final terms depend on underwriting
Equipment Leasing
A lease may help preserve cash and provide an end-of-term option that fits the equipment plan. Fair market value and other lease structures may be available depending on the applicant and transaction.
- May provide lower scheduled payments
- Can match payment timing to equipment use
- End-of-lease options are documented upfront
- Tax treatment depends on individual circumstances
GFLS can explain available structures, but your accountant or tax adviser should determine the accounting and tax treatment that applies to your business.
Who GFLS May Be Able to Help
There is no single profile that describes every financeable transaction. GFLS works to understand where the business is today and what the equipment is expected to change.
Established Businesses
Companies replacing equipment, adding capacity, expanding locations or preserving working capital for operations.
Growing Companies
Businesses with rising revenue, new contracts or demand that requires another machine, vehicle or system.
Select Startups
Newer businesses may be considered when ownership experience, cash flow, money down, equipment value and the business plan support the request.
Credit-Challenged Applicants
Past credit issues can be reviewed in context. Recent payment history, bank activity, explanation and transaction strength all matter.
What determines the final structure?
Credit profile, time in business, cash flow, existing debt, equipment type, age and value, seller, transaction size and documentation can all influence approval, term, payment, advance amount and money required upfront.
Why Businesses Choose GFLS
Manual Underwriting
A person reviews the business and transaction rather than relying only on an automated scorecard.
Equipment Experience
GFLS understands that asset type, use, value and useful life are central to a sound equipment transaction.
New and Used Assets
Used equipment can be considered when its condition, value and remaining useful life fit the request.
Broader Financing Relationships
When appropriate, GFLS can evaluate available financing paths and relationships for the transaction.
Nationwide Reach
GFLS works with businesses, vendors and eligible sellers throughout the United States.
Clear Next Steps
The team identifies the documents and transaction details needed to keep a viable request moving.
Have Equipment Picked Out?
Call or text 480-478-7413.
What Documents May Be Needed?
Documentation depends on transaction size and complexity. Sending a complete, organized package helps the credit team understand the request and reduces avoidable follow-up.
- Completed business credit application
- Vendor quote, invoice, purchase order or equipment listing
- Recent business bank statements
- Equipment year, make, model, serial number or VIN when applicable
- Seller or dealer contact information
- Ownership identification and business formation details
- Business financial statements and tax returns when requested
- Business plan, projections or contracts for some startup and growth requests
How the Equipment Financing Process Works
Tell Us About the Transaction
Submit the short request or formal application with the business name, equipment, seller and approximate purchase amount. A vendor quote or listing is helpful when available.
Review the Business and Equipment
GFLS evaluates the overall story, including cash flow, time in business, credit, existing obligations, asset details and the reason for the purchase. Complete packages can often receive a credit decision within 24–72 hours, although timing varies.
Finalize the Approved Structure
If approved, the final terms, documents, insurance, seller requirements and any title or inspection items are completed before payment. Funding timing depends on the transaction.
Frequently Asked Questions
What credit score is needed for equipment financing?
GFLS does not present one score as the answer for every transaction. The review can consider the full credit profile together with business cash flow, time in business, existing obligations, equipment and money down. A stronger overall transaction may help explain a profile that falls outside a traditional bank’s standard box.
Can I finance used equipment?
Yes, new and used equipment can be considered. Age, condition, value, remaining useful life, seller and the type of equipment all become part of the review. Provide the year, make, model, serial number or VIN and current mileage or hours when applicable.
Can a startup or newer business qualify?
Select startups and newer businesses may be considered. With limited operating history, the review may place more weight on ownership experience, personal credit, bank activity, equipment value, contracts, projections, money down and a clear business plan.
Can I buy equipment from a private seller or auction?
Some private-party and auction purchases can be financed, but documentation, inspection, valuation, seller verification and payment requirements vary. Share the equipment and seller details early so GFLS can confirm whether the transaction has a workable path.
How much money down is required?
There is no single down-payment requirement for every applicant. Some well-qualified transactions may receive a higher advance, while others require a first payment, deposit or meaningful money down. The final amount depends on the applicant, equipment and structure.
How quickly can a decision be made?
Complete, organized applications can often receive a credit decision within 24–72 hours. Larger, startup, private-party, titled or complex transactions may require additional documentation and time. A credit decision is not the same as funding; final documents and closing conditions must still be completed.
Can freight, installation or other costs be included?
Qualified freight, delivery, rigging, installation and other approved soft costs may be included in some transactions. Submit a complete project quote so GFLS can determine which costs are eligible under the available structure.
Will checking my options guarantee approval or terms?
No. A short request starts the conversation and helps GFLS understand the transaction. All financing is subject to credit approval, final documentation and closing requirements. Rates, terms, advance amount, money down and timing vary.
Talk through the transaction
Discuss Your Equipment Financing Request
Share the equipment, seller, purchase amount and what the asset will do for the business. Josh can help identify the information needed to evaluate the request and explain the next step.
Prefer to call? 480-478-7413
All financing is subject to credit approval and final documentation. Rates, terms, advance amount, first payment or deposit, money down and funding timing vary by applicant and transaction. No financing outcome is guaranteed. Tax treatment depends on individual circumstances; consult your tax adviser.