Unlock the Fast
Working Capital
Your Business Deserves.

Bridge the gap between Expenses and Opportunity with Flexible Working Capital from FES.

NEFA logo - National Equipment Finance Association member

Flexible Capital. Real Impact.

  • “The line of credit we got through FES gave us room to grow without maxing out cards or stressing about seasonal slowdowns.”

    Sofia (Retail / Apparel)

  • “FES didn’t just give us funding - they understood our business model. The working capital helped us bridge long invoice cycles and stay on track.”

    Raj (Manufacturing)

  • “As a small business owner, I loved how simple and low-pressure the process was. The funds gave us the breathing room we needed to rebuild inventory.”

    Madeline (Salon & Spa)

  • “FES became our financial safety net - not just for emergencies, but for the little surprises that come with running a fleet.”

    Darnell (Trucking Fleet Owner)

  • “Other lenders didn’t understand our equipment and payment flow. FES actually listened and offered a line that fit how we operate.”

    Anh (Medical Lab Owner)

  • “Margins in food service are tight. FES helped us stay ahead of vendor payments and keep our doors open during a tough month.”

    Tariq (Restaurant Chain Owner)

  • “Financial Equipment Solutions made it easy to get capital without having to jump through hoops. It kept our subcontractors paid and projects moving forward.”

    Leila (Construction Management)

  • “The flexible credit line from FES gave us confidence to take on more jobs! Even when payments from old ones were still pending.”

    Bryce (Plumbing & Drain Services)

  • “The working capital helped us handle big repairs without touching our reserve accounts. It kept operations smooth and stress-free.”

    Anika (Forestry & Equipment Services)

  • “We used the capital to lock in bulk pricing on materials, saving thousands. FES made that possible without tying up our cash flow.”

    Jorge (Railroad Supply & Logistics)

  • “I wasn’t even planning to borrow, but having the line from FES meant we could say yes to a last-minute onboarding project without hesitation.”

    Chloe (IT / Cybersecurity Firm)

Get Working Capital

You Don’t Need a BANK.
You Need a SOLUTION.

Purple line art icon of a business briefcase, representing fast merchant cash advances for small business operations
Purple line art icon of stacked dollar bills, symbolizing upfront funding based on projected future sales

Merchant Cash Advance

Get Upfront Cash Based on Future Sales

A Merchant Cash Advance (MCA) gives your business quick access to capital based on your future credit/debit card sales. You receive a lump sum upfront, and repayment is made automatically through a small percentage of daily or weekly sales - no fixed due dates, no collateral required.

When a
Merchant Cash Advance
is the Right Move…

Black-and-white photo of three smiling construction workers inside a workshop, wearing aprons and work gear, representing small business owners who benefit from merchant cash advances

  • Businesses with steady credit/debit card sales

  • Owners needing fast access to capital without collateral

  • Companies with short-term cash flow gaps

  • Inventory or time-sensitive purchase needs

  • Entrepreneurs turned down by traditional banks

  • Businesses aiming to cover payroll or urgent expenses

  • Operators looking to bridge seasonal dips or fund growth

Purple line art icon of multiple credit cards, representing flexible revolving credit options for business owners
Purple line art icon of a payment terminal with a hand swiping a card, symbolizing quick access to funds and seamless transactions through a business line of credit

Business Line of Credit

Flexible Funds You Can Tap Anytime

A Business Line of Credit provides ongoing access to a set amount of funds that you can draw from whenever you need - and only pay interest on what you use. Reuse it, repay it, repeat. It’s a smart safety net for business owners who want cash on hand without the hassle of a loan.

  • Businesses with variable monthly expenses or seasonal income

  • Owners who want flexible access to funds on demand

  • Companies facing cash flow gaps or payment delays

  • Emergency repairs, project delays, or urgent expenses

  • Operations with long sales cycles or slow receivables

  • Teams needing to fund large orders without draining reserves

  • Entrepreneurs seeking a financial safety net without red tape

When a
Business Line of Credit
Makes Sense…

Black-and-white photo of a smiling man and woman working together on a laptop in a café or small business setting, representing entrepreneurs using a business line of credit for growth and operations
Smiling small business owner in an apron using a tablet in a brewery after quickly securing working capital through an easy business financing process
Smiling small business owner in an apron using a tablet in a brewery after quickly securing working capital through an easy business financing process

Unlock Business Working Capital.
THREE.
EASY.
STEPS.

At Financial Equipment Solutions™, securing Working Capital or a Flexible Line of Credit is designed to be Quick and Straightforward. Whether you need funds for seasonal expenses, payroll, or day-to-day operations, our Application Process Makes it Easy to get the cash flow you need - No Hard Credit Pull Required.

Number “01” in light purple circle, indicating the first step of Financial Equipment Solutions’ process: beginning the online application for working capital funding
Checkmark icon symbolizing completion of step one in the working capital financing application process for small and medium-sized businesses
Animated icon of a small business owner using a laptop to apply for working capital funding online – representing the first step of securing short-term or revolving capital for business operations

Submit Your Application.

Fill out a Quick Form in Just Minutes - No Hard Credit Pull Required.

Number “02” in medium purple circle, representing the second step in the working capital process: rapid review and approval for short-term or revolving business funding
Checkmark icon indicating rapid approval in the working capital process, providing businesses with short-term or revolving funding
Animated clock with dollar sign symbolizing fast working capital approvals within 72 hours or less – representing the quick approval stage for operating funds

Fast Approval Process.

Our Team Reviews Your Working Capital, MCA, or Line of Credit Request and Provides Quick Approvals with Flexible Terms. (Same-Day to 72 Hours)

Number “03” in dark purple circle, marking the third and final step: receiving approved working capital funds to cover operating expenses, payroll, or growth opportunities
Checkmark icon representing final funding approval in the working capital process, helping businesses cover operating expenses, payroll, and growth opportunities
Animated hand catching a coin, representing receiving funds quickly after working capital approval – symbolizing the final step of securing cash for expenses, payroll, or growth opportunities

Access Your Funds!

Once Approved, Finalize Your Terms and Receive the Working Capital Your Business Needs - Fast.

Ready to get started? Click below to begin your hassle-free application!

INDUSTRIES that THRIVE with
Fast Working Capital.

[Click Sections to Expand Details]

  • Access flexible funding to Manage Seasonal Planting and Harvesting Costs, Purchase Supplies, and Bridge Cash Flow Gaps during Slow Seasons without missing a beat.

    [Apply for Working Capital]

Agriculture funding icon with tractor symbol - seasonal planting, harvesting, supply costs, and cash flow gap solutions for farms
Construction funding icon with excavator symbol - payroll, materials, and job site expense financing for contractors and builders

  • Cover Payroll, Buy Materials Upfront, and Handle Unexpected Job Site Expenses with working capital that moves as fast as your projects do.

    [Apply for Working Capital]

  • Finance Raw Materials, Boost Production, or Scale Operations Quickly without Tying Up your Operating Cash - flexible funding when you need it most.

    [Apply for Working Capital]

Manufacturing funding icon with robotic arm symbol - raw materials, production scaling, and operational cash flow support for factories
Transportation funding icon with delivery truck symbol - maintenance, repairs, insurance, and contract financing for fleets and logistics

  • Keep your trucks, trailers, and fleets rolling by Covering Maintenance, Repairs, Insurance Costs, or Securing New Contracts without cash flow stress.

    [Apply for Working Capital]

  • Finance Repairs, Labor, or Operational Improvements without the delays of traditional lending - keep your operations on track with flexible capital.

    [Apply for Working Capital]

Railroad funding icon with locomotive symbol - financing repairs, labor, and operational improvements to keep rail operations on track with flexible capital
Forestry funding icon with logging machine symbol - seasonal revenue gap coverage, equipment part purchases, and logging operation financing without long-term debt

  • Smooth out Seasonal Revenue Gaps, Purchase Equipment Parts, or Fund Logging Operations without taking on heavy long-term debt.

    [Apply for Working Capital]

  • Manage Operational Expenses, Equipment Repairs, or Short-Term Capital Needs with flexible financing designed for heavy industry demands.

    [Apply for Working Capital]

Mining funding icon with circular saw symbol - operational expense coverage, equipment repairs, and short-term capital for heavy industry needs
Oil and gas funding icon with drilling rig symbol - field operations, emergency repairs, material purchases, and staffing surge financing without delays

  • Secure fast funding for Field Operations, Emergency Repairs, Material Purchases, and Staffing Surges - all without interrupting critical timelines.

    [Apply for Working Capital]

  • Get fast access to funds for Payroll, New Hires, Equipment Maintenance, or Expanding your Practice - without waiting on slow insurance reimbursements.

    [Apply for Working Capital]

Medical and healthcare funding icon with MRI scanner symbol - payroll, new hire, equipment maintenance, and practice expansion financing without insurance delays
Aircraft funding icon with helicopter symbol - hangar fees, maintenance, and operating cost coverage for charter, cargo, and aviation service companies

  • Cover Hangar Fees, Maintenance, Operating Costs for Charters, Cargo, or Aviation Service Companies with working capital that fits unpredictable cycles.

    [Apply for Working Capital]

  • Access capital to Expand Service Routes, Critical Equipment Repairs / Upgrades, Cover Delayed Accounts Receivable, or Manage Operating Expenses during Seasonal Shifts - all without missing growth opportunities.

    [Apply for Working Capital]

Waste management funding icon with dumpster and gear symbol - service route expansion, equipment upgrades, receivables coverage, and seasonal expense management
Landscaping funding icon with worker symbol - payroll, fuel costs, seasonal slowdown coverage, and growth season financing for outdoor service businesses

  • Handle Payroll, Fuel Costs, Seasonal Slowdowns, or Gear Up for Growth Seasons with working capital built for outdoor service businesses.

    [Apply for Working Capital]

  • Cover Operating Expenses, Kitchen Upgrades, Marketing Campaigns, or Emergency Repairs with flexible capital that keeps your doors open and busy.

    [Apply for Working Capital]

Restaurant funding icon with burger symbol - operating expenses, kitchen upgrades, marketing campaigns, and emergency repair financing to keep businesses open and busy
IT funding icon with microchip symbol - client project costs, hardware purchases, and cash flow bridging between large contracts for fast-moving tech companies

  • Cover Client Project Costs, Purchase Hardware, or Bridge Cash Flow between Large Contracts with flexible funding designed for fast-moving tech businesses.

    [Apply for Working Capital]

  • Manage Inventory, Refrigeration Maintenance, Staffing Costs, or Expansion Plans with quick funding tailored for retail essentials.

    [Apply for Working Capital]

Grocery store funding icon with groceries and beverage symbol - inventory management, refrigeration maintenance, staffing costs, and retail expansion financing
Furniture store funding icon with couch symbol - inventory restocks, floor plan updates, seasonal promotions, and expense coverage without tying up cash

  • Finance Inventory Restocks, Floor Plan Updates, Seasonal Promotions, and Operating Expenses without tying up your available cash.

    [Apply for Working Capital]

  • Finance Facility Upgrades, Hire More Staff, or Manage Day-to-day Operating Costs without the delays of traditional veterinary business loans.

    [Apply for Working Capital]

Veterinary funding icon with heart and paw print symbol - facility upgrades, staff hiring, and daily operational cost coverage without traditional loan delays
Hotel funding icon with building symbol - renovations, guest amenities, staff expansion, and seasonal marketing campaign financing without interrupting operations

  • Finance Renovations, Guest Amenities, Staff Expansion, or Seasonal Marketing Campaigns - without slowing down daily operations.

    [Apply for Working Capital]

  • Secure capital to Manage Subcontractor Payments, Materials, and Permit Costs - giving you the flexibility to take on bigger projects and stay ahead of schedule.

    [Apply for Working Capital]

Construction funding icon with hard hat symbol - subcontractor payments, materials, and permit cost coverage for larger projects and on-time schedules
Staffing agency funding icon with recruiter symbol - payroll for placed employees, talent recruitment, and operational expansion without bank delays

  • Get the cash flow needed to Cover Weekly Payroll for Placed Employees, Recruit New Talent, and Expand Operations without bank delays.

    [Apply for Working Capital]

  • Smooth out Cash Flow Between Billing Cycles, Invest in Technology Upgrades, or Scale your Client Base with fast, flexible capital.

    [Apply for Working Capital]

Accounting firm funding icon with hand placing coin stack - smooth cash flow between billing cycles, invest in technology, and scale client base with flexible capital
HVAC, plumbing, and electrical funding icon with gear, drop, and tools - cover payroll, permits, and emergency service costs with fast contractor financing

  • Cover Payroll, Parts, Permits, and Emergency Service Costs with fast funding tailored for contractors and service businesses that can't afford downtime.

    [Apply for Working Capital]

  • Handle Flower Inventory Purchases, Staffing for Busy Seasons, Marketing, and Delivery Vehicle Expenses with working capital that grows with you.

    [Apply for Working Capital]

Florist funding icon with flower - finance inventory purchases, seasonal staffing, marketing, and delivery vehicle expenses for growing flower businesses
Business services funding icon with funnel and dollar sign - payroll coverage, tech upgrades, advertising costs, and expansion financing without long payment waits

  • Secure flexible funding to Cover Payroll, Technology Upgrades, Advertising Costs, or Expansion Plans - all without waiting on long client payment cycles.

    [Apply for Working Capital]

  • Handle Parts Inventory, Technician Payroll, Shop Upgrades, or Expansion Plans with working capital designed for busy repair businesses.

    [Apply for Working Capital]

Auto repair funding icon with car and wrench - finance parts inventory, technician payroll, shop upgrades, and business expansion
Personal services funding icon with spray bottle and person silhouette - cover operating expenses, equipment upgrades, and staffing needs for service industries

  • Manage Operating Expenses, Equipment Upgrades, and Staffing Needs with fast working capital tailored for personal service industries.

    [Apply for Working Capital]

  • Cover Supply Chain Gaps, Inventory Expansion, Transportation Costs, or Staff Needs with capital that keeps your distribution network moving strong.

    [Apply for Working Capital]

Wholesale distribution funding icon with warehouse - finance supply chain gaps, inventory expansion, transport costs, and staffing for strong operations
Generic business funding icon with gear and hand - working capital solutions to manage expenses, seize opportunities, and keep operations moving forward

  • Working capital solutions for Businesses Across Every Industry - helping you Manage Expenses, Seize New Opportunities, and keep Operations Moving Forward without disruption.

    [Apply for Working Capital]

Requirements to Qualify for

Working Capital

Smiling small business owners holding a package and tablet after quickly qualifying for working capital with minimal documentation requirements

6+

Months in Business

500+

Credit Score

250k+

In Annual Revenue

4

Recent Business Bank Statements

Minimal Documentation Required.

Note: If you would like to see competitive approvals on traditional Equipment Financing, please note that an invoice or purchase order is required.

Purple FAQ icon with speech bubbles and question mark for working capital financing help
Small business owner in suit at office desk, looking confused and struggling while reviewing laptop for working capital and business funding options

Still have some questions?
Check our FAQ!

Fuel Your Next Big Move.

Whether it’s Payroll, Materials, or Expansion - FES Delivers Fast Working Capital with No Wasted Time.

OR

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