Business Financing Made Simple

Upgrade Your Business with Zero Upfront Capital

Q: What credit score do I need to qualify?

We consider applicants with FICO scores as low as 500. Our data-driven underwriting looks at your overall business health, not just your personal credit score. Factors like monthly revenue, time in business, and cash flow patterns all play a role in approval decisions.

Q: What are the basic requirements to apply?

Generally, you need to be in business for at least 6 months with $15,000 or more in monthly revenue. You'll need to provide basic business information and bank statements. Requirements may vary by product type.

Q: Do I own the equipment with equipment financing?

It depends on the structure you choose. With an equipment loan, you own the equipment from day one. With a lease, you have the option to purchase the equipment at the end of the term. Both options may qualify for Section 179 tax deductions.

Q: What's the difference between a loan and a merchant cash advance?

A working capital loan has fixed payments over a set term (6-24 months). A merchant cash advance repayment is based on a percentage of your daily sales, so payments fluctuate with your revenue. MCAs can be better for businesses with variable income.

Q: I was rejected by my bank. Can I still qualify?

Yes, many of our clients come to us after being turned down by traditional banks. We use different approval criteria that consider your full business picture, not just credit scores. Our 90% approval rate for eligible applicants speaks to our flexibility.

Fast, flexible equipment financing and business loans tailored for Dallas-based small businesses. Get funded as fast as the same day.

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Fast Pre-Qualification

Get an estimate in under 60 seconds. No credit impact.

4.8/5

1,500+ reviews on Trustpilot

50,000+

Businesses Funded

14+

Years Experience

A+ BBB Rating

Accredited Business

Our Solutions

Financing Solutions for Every Need

From equipment financing to working capital, we offer diverse funding options to help your business grow.

Equipment Financing

Finance equipment up to $10 million with flexible lease or loan options. Terms from 1-10 years with potential Section 179 tax deductions.

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Working Capital Loans

Access $5,000 to $600,000 in working capital with factor rates starting at 1.11. Get funded as fast as the same day.

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Merchant Cash Advance

Receive up to $600,000 based on your future sales. Repayment adjusts automatically with your revenue.

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Business Lines of Credit

Access revolving credit when you need it. Only pay interest on what you use with flexible draw and repayment options.

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SBA Loans

Access government-backed SBA 7(a) loans up to $5 million with longer terms and competitive rates through our partner network.

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Simple Process

How It Works

1. Apply Online

Complete our simple 5-minute application with basic business information. No impact to your credit score.

2. Get Approved

Receive a decision within 24-48 hours with multiple customized financing offers tailored to your needs.

3. Get Funded

Accept your offer and receive funds as fast as the same day. Capital deposited directly to your account.

Our Advantages

Why Dallas Businesses Choose Us

Section 179 Deductions

Deduct the full purchase price of qualifying equipment from your gross income. Maximize your tax savings.

Terms up to 10 Years

Flexible repayment structures designed to match your business cash flow cycles. Lower monthly payments.

Multi-Million Capacity

Whether it's one machine or a fleet, we fund projects ranging from $10k to $10M+ through our partner network.

Loan vs. Lease Comparison

Compare our two most popular equipment financing structures to see which fits your growth strategy.

Feature	Equipment Loan	Equipment Lease
Ownership	You own it from day one	Option to buy at end of term
Monthly Payments	Higher monthly principal	Lower operational payments
Tax Benefits	Depreciation + Interest	Fully deductible lease payments
Upfront Costs	Usually 10-20% down	Often 0% down required

Success Stories

What Our Clients Say

"The speed was incredible. We applied on Monday and had the equipment in our warehouse by Friday. No bank would have moved that fast."

Michael Chen

Owner, Chen Construction LLC

"After being turned down by two banks, Equipment Financing Dallas Pros approved us within hours. Their team understood our business and found the right solution."

Sarah Martinez

CFO, Dallas Medical Supply

"The flexible payment options have been a game-changer for our seasonal business. We can adjust payments based on our cash flow cycles."

James Wilson

Owner, Wilson's Auto Repair

Common Questions

Frequently Asked Questions

How fast can I get funded?

Pre-qualification takes just minutes with no impact on your credit score. Once approved, you can receive funding as fast as the same day for working capital loans and merchant cash advances. Equipment financing and SBA loans typically take longer due to additional documentation requirements.

What credit score do I need to qualify?

What are the basic requirements to apply?

Do I own the equipment with equipment financing?

What's the difference between a loan and a merchant cash advance?

I was rejected by my bank. Can I still qualify?

Serving the Dallas-Fort Worth Metroplex

We are proud to support local businesses across North Texas. Our proximity allows for on-site visits and faster localized underwriting.

Dallas Irving Garland Grand Prairie

Local HQ: Dallas, TX

Ready to Get Started?

Pre-qualify in minutes with no impact to your credit score. Get the funding your business needs today.

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Get Funded in as Fast as 24 Hours