Our Company
From excavators to embroidery machines, reefer trucks to restaurant ovens - if it keeps your business moving, we’ll help you finance it.
About Us
At Financial Equipment Solutions™, we serve every industry that keeps this country moving - proudly operating out of Miami, Florida while working with business owners nationwide. Whether you're pouring concrete, cleaning carpets, running deliveries, staffing job sites, cutting hair, or stocking shelves - if it's business essential, we finance it.
Backed by a hardworking, dedicated team that knows the value of time and trust, we move quickly - no fluff, no judgment. Just fast approvals and real support from people who get it. Funding that works as hard as you do.
Contact Us
Office
(786) 906-1900
Email
info@financialequipmentsolutions.com
Office Address
25 SE 2nd Ave Ste 550
#554 Miami, FL 33131
Have a question?
Send us a message!
FAQ
Frequently Asked Questions.
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No. Submitting an application does not impact your credit score. We use a soft credit pull to evaluate your file during the pre-approval process.
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In many cases, businesses receive funding same-day or within 24 to 48 hours after submitting all required documentation.
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Approval amounts vary based on your revenue, time in business, credit profile, industry, and equipment type. We offer funding from $10,000 up to $10 million for both equipment financing and working capital.
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Absolutely not. Applying is free, has no impact on your credit, and there’s no obligation to move forward.
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There are no application or upfront fees. All costs are disclosed clearly in your offer, and only apply if you accept and move forward with funding.
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We operate as a broker. That means we shop the market to find you the best-fit financing from a network of trusted funding partners.
We syndicate with all of our partners so there is ZERO Broker Fees. -
Typically, 6+ months in business is recommended for Working Capital programs. For Equipment Financing, most banks require 2+ years - but we have alternative options for newer businesses depending on the program.
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Yes. We fund businesses across all 50 U.S. states
(with the exception of California-based businesses). -
Usually same-day or within 1 business day. A funding specialist will contact you personally to review your options.
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Yes. We have flexible programs designed for a wide range of credit profiles.
Equipment Financing FAQ
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Everything from trucks, trailers, and heavy construction equipment to commercial kitchen appliances, medical machines, and more. ANY business essential equipment.
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Yes. Both new and used business-essential equipment can be financed.
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Yes. We can fund deals involving private party transactions, auctions, and vendor sales.
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In many cases, a simple application is enough to get started. Most programs will also require 4 recent business bank statements and an invoice or purchase order for the equipment you're looking to finance.
Additional documents may be requested depending on the lender and the size of the deal. -
Terms typically range from 12 to 84 months, depending on the asset type and borrower profile.
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It depends on how your business qualifies. Some programs require 5% to 10% down, while others offer 100% financing with no upfront cost.
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We don’t offer equipment loan refinancing at this time. However, if you're looking to access working capital, you may be eligible to borrow against equipment you already own.
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Yes. We offer flexible lease-to-own financing (also known as lease-to-buy), which allows you to make monthly payments toward owning the equipment - typically with a $1 or fixed buyout at the end of the term.
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Yes. Seasonal businesses may qualify, and we offer structured terms designed to accommodate fluctuations in cash flow.
More bank statements may be required to demonstrate consistent seasonal patterns. -
Yes. You can bundle multiple equipment items into a single financing package, as long as they’re all business essential and meet underwriting requirements.
Equipment Backed Financing FAQ
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This program allows you to borrow working capital by using equipment you already own as collateral.
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Construction equipment, trucks, trailers, manufacturing machinery, and more - as long as they hold equity and are business essential.
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Yes. You retain full use and possession of the equipment during the loan term.
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In most cases, yes. However, exceptions may be made depending on the deal size and equipment type.
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Typically we can approved 80% to 125% of the equipment's current appraised value.
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Yes of course. You can bundle multiple assets to access more capital.
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Approvals are often issued in 24-48 hours once the application and equipment details are submitted.
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Yes, absolutely. The capital can be used for payroll, expansion, repairs, inventory, or other business purposes.
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Most lenders require each piece of equipment to have a current appraised value of at least $15,000 to $25,000, depending on the program.
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In some cases, yes - especially for older equipment. Lenders may request photos, serial numbers, or a third-party inspection to confirm value.
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Yes. To qualify, the equipment must be fully owned with a clear title or proof of ownership. We do not offer programs against equipment that still has a lien or outstanding balance.
Merchant Cash Advance FAQ
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You receive upfront capital in exchange for a portion of your future sales or bank deposits. Generally, approval amounts can be up to 150% of your average monthly deposits.
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Repayment is typically made through daily or weekly remittances, depending on the strength and structure of your business. In some cases, monthly options may be available.
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An MCA is not a loan. It's a purchase of future receivables, which is why it can be faster and easier to qualify for.
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Yes. MCAs are based more on cash flow than credit score.
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Not at all. Many funders accept ACH deposits or even physical check deposits from your business bank account.
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Yes, but stacking is risky and not recommended unless carefully structured. It must be disclosed and approved by all lenders involved to avoid defaulting terms or triggering early payoff clauses.
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Many MCA deals are approved and funded same-day or within 24 hours after submitting the required documents.
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No, there are No Upfront Fees to apply. Any costs or factor rates are clearly outlined in your offer and only apply if you move forward.
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Yes, early payoff is allowed. All of our approvals include built-in early prepayment discounts, allowing you to save if you pay off early. Midway through the term, you may also qualify to refinance into better terms based on your payment history.
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Yes, absolutely. MCA funds are unrestricted and can be used for payroll, inventory, marketing, repairs, expansion, or any other business-related expense.
Business Line of Credit FAQ
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It’s a flexible revolving credit account that lets you draw funds as needed and only pay interest on what you use.
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Repayments are rarely daily. Most programs use weekly remittances, and in some cases, monthly payments are available - depending on the strength and stability of your business.
You only pay on what you draw, so in terms of flexibility, there is no better product for your business. -
Some lenders charge draw fees, while others don’t. We work to find options with transparent, competitive pricing to secure the best line of credit for your business.
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Yes. Once approved, you can log in 24/7 and schedule draws to fund.
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True revolving Lines of credit range from $10,000 to $500,000, depending on your revenue and credit profile.
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A term loan provides a lump sum upfront for immediate use. A line of credit works more like a credit card - you draw funds as needed and only pay interest on what you use.
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Yes. As you repay what you draw, the funds become available again. All lines come with an online portal where you can draw, monitor balances, and make payments whenever you choose.
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Line draws can vary. Some funds can be sent via immediate wire, while others are deposited through standard ACH within 24 hours.
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Absolutely. You can log into your online portal and make a payment at any time during the term period.
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No. As long as your business deposits remain consistent and there’s no significant drop in revenue, the line of credit will stay open indefinitely.
In many cases, with a solid payment history, we can even increase your credit limit over time.