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Small Business Equipment Financing

Get funding to finance new and used equipment, machinery, trucks/other vehicles, and technology for your small business needs.

Our equipment loan can help keep your business moving forward.

When you need new or used equipment for your small business, you will need to decide how to pay for it. If you want to avoid spending all of your cash upfront or using your line of credit, you’ve come to the right place. Balboa Capital, a division of Ameris Bank, offers equipment financing, which is a cash-flow-friendly alternative to a one-time equipment purchase.

If your application is approved and you decide to move forward, Balboa Capital will provide you with funding to finance equipment, and you will repay what you borrow over a flexible term. 

  • Same-day funding
  • Easy online application
  • All credit considered
  • One-hour approval decisions
  • Simple repayment terms
  • Competitive interest rates

 

Finance equipment in 3 easy steps

Submit a simple online application.
Get a prompt decision during Balboa Capital’s regular business hours.
If your application is approved, funds will be provided fast.


Key benefits of equipment financing

Equipment financing enables you to pay for the equipment over time instead of paying for it all at once. The reduced initial cash outlay can help you save money for future business expenses and initiatives. Another benefit of equipment financing is that it gives you access to newer, more innovative equipment that can keep your business running at optimum efficiency so you can remain competitive.

Lastly, certain types of equipment that are financed are eligible for the Section 179 tax deduction. Make sure you consult with your accountant before financing any equipment. They can provide you with recommendations relating to equipment acquisition and income taxes.


 

what we look for

One year in business

$100,000 in annual revenue

FICO score of 620 or more

These are some of Balboa Capital’s minimum lending requirements, and meeting them does not constitute approval.
Should you apply for equipment financing, additional lending criteria will determine if you qualify.

About Balboa Capital, a division of Ameris Bank

Balboa Capital is now a division of Ameris Bank. Balboa Capital is one of the largest and most well-known business lenders in the US. The company offers funding solutions to small and medium-sized businesses across diverse industry sectors nationwide, along with the responsiveness, industry expertise, and exceptional client service that you expect from the Ameris Bank family.

Balboa Capital makes the entire equipment financing process a breeze. You can complete a simple application from your computer or mobile device. The application is straightforward, so you can complete it quickly.

If your application is approved and you decide to move forward, a helpful equipment financing specialist will contact you to discuss your options and answer any questions you have.

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* All loans subject to credit approval.

Ameris Bank is a full-service financial institution serving customers a variety of business bank accounts and loans throughout the country.