START-UP FINANCING
No business credit history? No problem.
We do not require any time in business. You can be a day-one start-up and still lease the equipment you need to open the doors.
THE PROGRAM
Start-up equipment leasing
Are you starting a small business, or have you been in business less than two years? Finding equipment leasing for a start-up can be difficult, because most of the industry underwrites on business history you do not have yet. Our program is built for exactly that position.
No time in business required
Day one counts. We do not have a minimum number of months trading before we will look at an application.
A and B credit
We finance small businesses with A and B credit. Where the business has no history of its own, the owner's does the work.
One simple application
The same one-page application the rest of the site uses. No business plan, no projections, no mountain of paperwork.
WHAT TO HAVE READY
Documentation needed
- 01 Personal financial statement
- 02 Two years of personal tax returns, on lease amounts above $15,000
- 03 A brief business summary
- 04 The invoice, or details of the equipment you are after
If you do not have all of it to hand, apply anyway and tell us what is missing. We would rather start the conversation than have you wait on a document.
Worth reading first
-
Payment calculator
See roughly where a monthly payment lands before you apply.
-
FAQ for start-ups
The questions new businesses ask us most often.
-
Twelve benefits of leasing
Why a start-up would lease equipment rather than buy it outright.
“American Capital Group was able to meet my financial needs with a competitive price and based in no small part on the superior level of customer service.”
Three steps to your equipment
01
Fill out an application
Complete our simple, one-page application. No mountain of paperwork.
02
Receive a custom plan
We contact you, typically within 24 hours, with a lease structure tailored to your needs.
03
Get your equipment
We purchase your new or used equipment from any vendor you wish.
No financials to hand either? That is a program of its own — no financials required — and it starts from the same one-page application.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need and roughly what it costs. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Keep reading
What we finance
Medical, construction, kitchens, machine shops, IT — and the rest.
Common questions
Terms, end-of-lease options, credit, and what we need from you.
Estimate a payment
Enter an equipment cost and see roughly where the monthly payment lands.
Our customers
Businesses we have funded, in their own words.
Want the equipment running before the first payment? Ask about 90 days deferred. Thin credit file, or none yet? Credit requirements sets out what a decision weighs when the business is young.
Decided? It is one page.
31 years financing equipment for small business. Apply, or call and talk it through first.