Frequently Asked Questions
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What information is requested to apply for financing?
Please click here for our standard credit application: or Apply Online today.
Does your company qualify for financing?
As long as you are an active business, you are eligible to apply for our financing.
Are there up-front costs?
US Capital may request one or two advance payments equal to the amount of your first and last payments, which count toward your overall financing terms, as well as a nominal documentation fee.
What general standards are used to determine credit worthiness of my company?
a: Time in business
b: Credit scores, both business and personal
c: Financials and tax returns, depending on the complexity of the request
b: Credit scores, both business and personal
c: Financials and tax returns, depending on the complexity of the request
How long does it usually take to get a finance or lease approval?
We aim to get back to you in a couple of hours, but it could take longer depending on the complexity of the credit profile.
What is US Capital’s financing process?
a: We ask that you Apply Online or download and complete our standard credit application and send back.
b: One of our Finance Specialists will review your application and upon approval, the finance documents will be sent to you for execution.
c: Once the documents are signed and returned to US Capital, a purchase order is issued to your equipment vendor, as necessary.
d: Upon delivery and acceptance by you, the vendor is paid and your contract is commenced.
b: One of our Finance Specialists will review your application and upon approval, the finance documents will be sent to you for execution.
c: Once the documents are signed and returned to US Capital, a purchase order is issued to your equipment vendor, as necessary.
d: Upon delivery and acceptance by you, the vendor is paid and your contract is commenced.
What if my company usually pays cash?
You may be able to acquire a lot more equipment through financing, since financing allows you to conserve cash / improve monthly cash flow. This is why the majority of companies prefer to finance.
What if my company wants to add additional equipment to the existing financing arrangement or upgrade existing products at a later time?
As your company grows, you can add products or upgrade existing products at any time.
What financing or leasing structures are available?
See our Commercial and Municipal Entities page for more information.
Does US Capital have a minimum financed amount request?
Yes – $5,000.
Where does US Capital finance?
The United States and Canada.
What is an intermediary?
As an equipment finance intermediary, US Capital is able to achieve high approval rates for its clients. We accomplish this by working with many financial partners that have varying credit appetites and diverse equipment interests. Since US Capital is not a direct lender, it is generally able to satisfy more of the equipment financing and equipment leasing needs of even the most challenging credit profiles.
