Strategic Equipment Finance,Built to Perform
Get payment estimates using our Quote Builder or Apply Now with no hard inquiry.
Four ways to fund what’s next.
Buy equipment, lease it, turn the equipment you already own into working capital, or make a bigger move with an SBA loan. Each one is structured around the business, and every one starts with the same short application.
Equipment Finance
Own the equipment. Keep your cash.
A fixed monthly payment on new or used equipment, titled or non-titled, from a dealer or a private party. Terms to 84 months, and you hold title from day one.
Equipment financing →Equipment Lease
Lower payments now. Options at the end.
A smaller monthly payment and a choice when the term ends: buy it for $1, 10% or fair market value, upgrade to newer technology, or hand it back. Terms from 24 to 60 months.
Equipment leasing →Equipment Leaseback
Cash out the equipment you already own.
Equipment you own free and clear becomes working capital while it stays where it is and keeps earning. Monthly payments, terms to 60 months, no prepayment penalty.
Sale-leaseback financing →SBA 7(a) & 504
Bigger moves, longer terms, lower rates.
Government-backed loans to $5M for acquiring a business, buying out a partner, expanding a facility, equipment, or consolidating debt, with the longer terms and lower rates the guarantee makes possible.
SBA loans →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
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 your application.
One short application, a soft credit inquiry only, and an experienced finance professional on your file within 1 to 2 business hours. Answer the first question here and the rest adjusts to it.
What are you looking to do?
Pick one and we take you straight to the next question. Soft credit inquiry only.
Not sure which fits? Start the application and compare the four on the first screen. Prefer to fill it out by hand? Download our credit application (PDF).
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 on 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 individual co-signer must be a family member or a shareholder of the business. An existing operating business can serve as a corporate co-guarantor where one is available, as long as the same owner is involved in both entities, or the individual co-signer also owns that guarantor business.
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.