Equipment Loans and Leases
Preserve capital and manage cash flow for revenue-generating assets with tailored financial solutions.
Commercial Loans and Refinances
Acquire or cash out refi commercial real estate. Private lenders available starting at $2M
Purchase Order Financing
Don’t let growing pains break the bank. Fulfill your demand with PO financing and seamless funding solutions.
Invoice Factoring Financing
Cash flow or non-payment problems? 90% of invoice paid upon shipment. International acceptable.
Line of Credit & Term Loans
Bank rate access to capital to spend how you deem fit, effortlessly unlocking financial potential.
Fix n Flip Financing
80% LTV- 100% Rehab, funding same day after prior approval. Home Equity Lines of Credit. DSCR for rental holds.
Refreshingly Simple Equipment Financing
At Vital Capital, we make equipment financing refreshingly simple for entrepreneurs like you. Our team provides personalized guidance and creative leasing solutions – not just numbers. We offer credit consultation, asset management, and disposition solutions to support your business’s evolving needs. Additionally, our financing options are designed to help you maximize tax benefits. Our philosophy? Get you what’s vital to grow your business. We’ll work hand-in-hand to understand your goals and get you the equipment necessary to drive profits and success.
- Small to medium businesses
- Hospitals
- Startups
- Equipment Vendors
- Sole proprietors
Why Choose Vital Capital?
At Vital Capital, we take “personal” financing to heart. When you call, I’ll be the one to answer – not an automated system or impersonal rep. I’m dedicated to being consistently accessible and responsive to you.
I also understand that every business is unique. That’s why I’ve built a wide network of lending partners without rigid credit “boxes” that could disqualify you. If one option doesn’t pan out, I have the flexibility to find alternatives that fit your distinct situation.
But why stop at equipment financing? I can be your true one-stop shop for all your capital needs. Need investors? A commercial loan? Invoice factoring? Purchase order financing? I’ll connect you with the right solutions to supercharge your cash flow.
Vendor Partnership Programs
Vendor Partner Programs: Boost Your Sales by 30%
“My clients pay cash.” We’ve all heard that line before from suppliers and vendors. But the stats tell a different story – 80% of businesses utilize some form of financing for their equipment needs.
Even if you think your customers pay upfront, chances are they’re financing behind the scenes. And here’s why that matters to you as a vendor: Studies show that simply advertising financing options can increase your sales by a whopping 30%.
Why? Because offering financing is a major value-add that removes barriers and makes your products/services more accessible. It’s an easy way to sweeten the deal and edge out competitors – without any extra costs to you.
At Vital Capital, we handle all the legwork to get your customers approved and funded quickly. Simply refer them to us, and we’ll take it from there with:
- A vast network of lending partners for maximum approval rates
- Personalised guidance to find the perfect financing fit
- Seamless processing from application to funding
By partnering with us, you instantly unlock a powerful sales tool to close more deals and move more inventory. No upfront costs, no hassles – just a turnkey financing solution that lets you focus on what you do best.
Don’t leave that 30% sales boost on the table. Adding a financing option through Vital Capital is a no-brainer way to make your offerings more irresistible. Reach out today to get started!
Trusted by Companies and Partners
Frequently Asked Questions
Find quick answers to common questions about our financing solutions, processes, and services. We’re here to help you every step of the way.
What is equipment finance?
Equipment finance helps businesses invest in the assets they need to grow by keeping investment costs separate from other financing. Instead of tying up cash in large equipment purchases, you can use equipment loans or leases secured by the equipment itself. This lets you preserve capital while still acquiring revenue-generating assets.
Loan vs Lease - What's the difference?
With a loan, you own the equipment and can write it off via Section 179 tax deductions. Leases come in two main flavors – a capital lease treats you like the owner for tax purposes, while an operating lease is simply a rental agreement where payments are expense deductions.
Do you charge pre-payment penalties?
Depends on your lender. Most lenders allow early payoffs with discounts on future interest after making timely payments for a set period, usually around 12 months.
What equipment can I finance?
We prefer financing longer-life, non-specialized equipment that holds its value well over time. Popular options include construction, manufacturing, medical, and printing equipment.
What's this Section 179 all about?
Section 179 is a tax code superpower that lets you deduct the full cost of financed equipment from your taxable income for the year – even if you only made a fraction of the payments so far. Awesome for preserving cash flow (but be sure to check the latest rules with your accountant).
How are my rates determined?
Rates are based on the equipment type, your time in business, credit scores, number of tradelines, and overall creditworthiness. Don’t worry, we work with businesses across the credit spectrum.
What transaction sizes do you cover?
We handle equipment financing from $5,000 up to $2 million+. Smaller deals just need an application and bank statements, while larger ones require fuller financial documentation.
What costs are involved?
There’s typically a documentation fee paid to the lender, plus you’ll need to insure the equipment (which is inexpensive). Some leases require security deposits or advance payments too. No upfront fees to us – our costs are rolled into the monthly payment.
Walk me through the process.
First, complete our quick application and provide the necessary documents. We’ll then match you to lending options, review the terms with you, and facilitate all the paperwork for a smooth funding process once approved. Nice and easy!