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.
For established businesses & qualified startups
Strong businesses have more financing options.
Most of our clients are not looking for someone willing to approve them. They are established companies deciding how to pay for the next machine, vehicle, or expansion — and whether tying up cash or bank capacity is really the best use of either. Five West structures transaction-specific financing around the business, so the strength you have built works in your favor.
Preserve working capital
Paying cash concentrates capital in a depreciating asset. Financing matches the cost of equipment to the revenue it produces, keeping cash available for payroll, inventory, and the next opportunity.
Preserve bank capacity
Your bank remains an important part of your capital strategy. Financing equipment outside the primary banking relationship keeps revolving lines free for operating needs and adds a capital source instead of concentrating everything with one institution.
Stronger profile, stronger structures
Strong credit, cash flow, and operating history can qualify for our most competitive programs — more attractive pricing, longer terms, higher amounts, and more ways to structure the transaction, including 100% financing where available.
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
"I cannot say enough good things about my experience with this financing company. Finding a lender that accommodates the unpredictable cash flow of a seasonal business is tough, but their team worked with me to set up a customized monthly repayment schedule that fits my budget perfectly. I will definitely be a returning customer!"
Local Guide · Google review
One application. More ways to finance your business.
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 structure your options
We identify financing structures that fit your business and the transaction 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.
Financing for established businesses & qualified startups.
Five West Financial works with established businesses, expanding companies, and qualified startups across a wide range of industries. These are general guidelines rather than guaranteed approval criteria.
Start the conversation.
Tell us about the transaction and we match you with an experienced finance professional who works to structure the right financing for your business. 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.
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.
What credit profile is typically required?
Requirements vary by financing program and transaction. Many established-business programs are available starting around a 600 FICO, particularly when supported by sufficient time in business, cash flow, equipment quality, and other strengths. Startup financing is more selective and generally requires strong personal credit, often 700+, relevant industry experience, and sufficient working capital or liquidity. See our qualification guidelines for detail.
Do you work with startups?
Select startup programs are available for experienced operators. Startup transactions generally require stronger personal credit, often 700+ FICO, relevant industry experience, and enough working capital or liquidity to support the business after the equipment purchase. If you are pre-revenue with limited industry background, most of our programs will not be a fit.
Should I include a co-signer?
A co-signer or corporate co-guarantor often strengthens an application, and it is worth considering on newer businesses and thinner files. An existing operating business can serve as a corporate co-guarantor where one is available.
Will applying affect my credit score?
No. We use a soft credit inquiry to preview applications and prepare your options, so getting started will not impact your credit score.
What documents are required?
Just our short application is all you need to get started. Depending on the deal, we may request a few supporting documents like bank statements or an equipment quote later in the process.