How Equipment Financing Works

Equip your business with the essential tools for growth through our straightforward and flexible financing options:

Lien on Equipment: Use your existing equipment or the new equipment you plan to purchase as collateral for a loan.

Fast Access to Funds: With the equipment serving as collateral, our financing provides quick access to capital—allowing you to focus on running your business without delays.

​Versatile Usage: Funds can be used for any purpose, whether upgrading old machinery, purchasing new equipment, or improving operational efficiency.

Rates Based On
The terms of your equipment financing are influenced by:

• Equipment’s Age & Condition: Newer, well-maintained equipment typically secures better terms.
• Marketability of Equipment: The ease of reselling or trading the equipment impacts the terms.
• Your Credit: Your credit history and business financial health play a significant role.
• Repayment Ability: We assess your capacity to repay based on cash flow and financial history.

Ask Yourself
Before applying, consider these questions:

• Do you own valuable equipment that can help unlock financing?
• What is the age and condition of the equipment?
• Are you planning to purchase new equipment to enhance your operations?
• Is the equipment easily marketable and in demand?

Required Documentation
To streamline the application process, please provide:

• Year-to-date Bank Statements and Financials: To assess your current financial standing.
• Past Two Years of Tax Returns: To get a comprehensive view of your business's financial health.
• Debt Schedule: Details of any outstanding business debts.
• Appraisal Documentation for Equipment: To evaluate the value of the equipment being financed.

What You Should Know
Fast & Simple: Equipment financing offers a streamlined process, providing access to up to 100% of the equipment's value. No lengthy approvals or complex paperwork—just quick, hassle-free financing.
Flexible Payment Plans: We tailor payment options to align with your cash flow, including seasonal, step-down, step-up, deferred payments, sale leasebacks, and vendor pre-funding.
Custom Solutions: Whether you’re an equipment dealer, vendor, or customer, we offer tailored financing options to meet the unique needs of your business.

Industries We Serve
Our equipment financing caters to a wide range of industries, including:

• Asphalt
• Automotive / Transportation
• Construction / Trucking
• Industrial / Machine Tools
• Mining & Logging
• Printing / Publishing
• Waste Management
• Manufacturing / Welding
• Packaging & More

Explore Our Specialized Equipment Financing Solutions
We’ve expanded our equipment financing portfolio with dedicated options to better serve your business needs. Whether you’re looking to:
     
     Purchase New Equipment
     Secure the machinery, vehicles, or technology your business needs to grow—without straining cash flow. Our   competitive purchase financing helps you acquire essential assets with flexible terms and fast funding.

     Refinance Existing Equipment Loans
     Improve cash flow, restructure debt, or lower your payments by refinancing current equipment obligations. We tailor each solution to fit your unique operational and financial goals.

     Cash-Out Refinance on Owned Equipment
     Unlock equity tied up in your existing equipment to reinvest in operations, take advantage of new opportunities, or strengthen your working capital—without selling or disrupting your assets.

It’s Time to Move Your Business Forward
Stay competitive and fully equipped to seize new opportunities with our equipment financing solutions. Don’t let limited capital hinder your growth—unlock the funds you need today.

Partner with United Capital America LLC for flexible, fast, and affordable financing that empowers your business to succeed.

APPLY NOW