Capital for the opportunity in front of you.
One application, and you're matched with one of our experienced professionals who works to find the best solution for your business, from app to funding.
Get marketplace efficiency with human connection.
The financing your business actually needs.
One place for the products that move a business forward. We line up the option that fits the deal and your profile.
Help more of your customers say yes.
Offer your buyers world-class financing right at the point of sale, including 0% and promotional terms that move equipment. Built for independent dealers who want the financing muscle the big franchises have, without a captive lender.
Close more sales
When a buyer can finance on the spot, far fewer walk away over price.
0% and promo options
Move equipment with 0%, deferred, and step-payment programs your buyers notice.
Approvals in minutes
Fast decisions keep the deal alive while the customer is still in front of you.
Every credit profile
Strong credit through second chance, so you lose fewer deals to a decline.
Built for independents
The point-of-sale financing the franchises rely on, without a captive lender.
No cost to set up
Free to launch, with a dedicated rep and co-branded applications.
★★★★★Become a partner →"Our experience with Five West Financial has been excellent. They understand the equipment industry, communicate clearly, and provide flexible financing options. They've helped us save deals we would have otherwise lost."
See a payment before you apply.
Choose a financing type and see an estimated payment range for that product. These are estimates, not offers. Real terms depend on your business profile and the program you qualify for.
Businesses with 5+ years of track record and steady revenue secure an average of $280,000 in growth capital. See what your time in business qualifies you for today, with zero obligation and no hard credit inquiries.
A sample of what we have funded lately.
Real equipment for real businesses, from a single excavator to a full practice acquisition, across some of the industries we know best.
Representative recent transactions. Amounts and structures vary by deal and approval.
Straight answers, deals that close.
"I honestly didn't know where to start when I needed financing to grow my business. A friend referred me to Five West and I'm glad he did. My Rep was straight with me about my options, didn't waste my time, and got the deal done. The whole process was smoother than I expected. Will definitely be coming back."
Google review
"Five West came through when we needed it. Geoff handled everything professionally and made the financing process about as painless as it gets. We'll be sending all of our equipment deals, and our friends' deals, their way going forward."
Local Guide · Google review
"A very pleasurable experience working with Five West. We needed a complete solution to finance our upcoming business expansion, and they came through, offering assistance and guidance during each step of the process. Highly recommended."
Google review
"They were able to help me when my local bank could not."
Google review
One application. Options that fit.
Tell us what the deal needs once, and we do the legwork to find the structure that works for your business.
Tell us what you need
One short application gets things moving. No commitment, no obligation.
We line up your options
We match your file to the right financing for the deal in front of you.
You compare and choose
Real terms, side by side. You pick the structure that fits.
Funds released
Sign, fund, and put the capital to work, often within days.
We match your business to financing that actually fits, not one rigid program you have to squeeze into.
Questions, answered.
How soon will I hear back?
We can usually respond to any inquiry within one business hour, and approvals can come as fast as 30 minutes for working capital or equipment finance. Your exact turnaround depends on your overall credit profile and the type of funding you are after.
What is your funding minimum?
Our usual minimum is $20,000, though we can make exceptions depending on the deal.
Can I apply for multiple things at once?
Absolutely. You can pursue several types of funding at the same time, and it helps to have one point of contact orchestrating them so they do not interfere with one another.
Can you work with challenged credit?
Yes. We work across the full range of credit, from strong A credit through second chance. Several of our funding partners specialize in challenged credit, and adding a co-signer or collateral can strengthen your file.
Should I include a co-signer?
A co-signer almost always strengthens an application, and we recommend one if you believe your credit is challenged. You can also use an existing business as a corporate co-guarantor if that is available.
Do you offer 0% financing?
We do offer 0% equipment financing, though those promotions are usually limited to select dealer and manufacturer partners across a variety of industries.
Do you offer personal loans?
Yes, we offer a variety of income-based loans through some of our funding partners.
Start your application.
Tell us what you need and we match you with an experienced funding professional who works to get you the capital your business needs. Expect to hear back within 1 to 2 business hours.
Prefer to fill it out by hand? Download our credit application (PDF) and submit it with this form.