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Business professional reviewing equipment financing options with 24-hour approval

Get Equipment
Financing Terms
In 24 Hours

Financing from $20,000 to $20 million

Same-Day Approval
New and Used Equipment
Flexible Terms
A through C Credit

Small Business Finance Application

Complete the application to apply for financing

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Business Information
2
Owner Information
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Our Financing Benefits

Benefits of Our Equipment Financing

Our streamlined process, competitive rates, and dedicated support make our equipment financing and business loans the ideal solution for your growth.

Financing Solutions

Industry-leading solutions with our comprehensive funding programs.

  • Terms up to 84 months
  • Access to as many as 15 different lenders
  • No money down for qualified customers
  • Competitive Rates
  • New and Used Equipment

Quick Approval Time

Same day approvals for qualified application-only transactions.

  • 2-minute application
  • Soft credit pull only
  • Application Only up to $750,000
  • Financing from $20,000 to $20 million

Vendor Partnership Programs

Provide easy streamline financing solutions for your customers so they can grow their business.

  • Programs for startup customers
  • Vendor Rewards Programs
  • Great alternative for customer to cash or local bank
  • Prepayment up to 100% prior to completion
  • Can cover shipping/training/labor costs

Industries We Serve

Equipment Financing for Your Industry

We provide tailored equipment financing and business loan solutions for a wide range of industries. Get the capital you need for new or used equipment.

Material Handling Equipment Financing illustration for equipment financing

Material Handling Equipment Financing

Complete financing solutions for warehouse and material handling equipment with flexible terms.

  • New or refurbished racking systems
  • Labor and installation cost included
  • Application only financing up to $500,000
  • Can included other items (security equipment, forklifts, etc)
  • Projects up to $10 million
Learn more about Material Handling Equipment
Construction Equipment Financing illustration for equipment financing

Construction Equipment Financing

Comprehensive financing for construction equipment from dealers or private parties.

  • New and Use Equipment
  • Dealer or private party
  • Title or non-titled
  • Application Only up to $750,000
Learn more about Construction Equipment
Medical Equipment Financing illustration for equipment financing

Medical Equipment Financing

Specialized financing for medical practices of all sizes with flexible application limits.

  • New and Used Medical Equipment
  • Funding for specialized equipment
  • Refurbished equipment is okay
  • Small practices to large surgery centers
  • Special Application Only limits for MD's
Learn more about Medical Equipment
Manufacturing Equipment Financing illustration for equipment financing

Manufacturing Equipment Financing

Comprehensive manufacturing equipment financing with competitive rates and international vendor support.

  • Full Production Line Programs
  • Can finance from international vendors
  • Installation and shipping costs included
  • Aggressive rates
Learn more about Manufacturing Equipment
Restaurant Equipment Financing illustration for equipment financing

Restaurant Equipment Financing

Complete restaurant financing solutions for new locations and equipment upgrades.

  • Furniture, POS, kitchen equipment
  • New and used equipment
  • Second locations and existing locations
  • A through C Credit
Learn more about Restaurant Equipment
Transportation Financing Programs illustration for equipment financing

Transportation Financing Programs

Flexible transportation financing for all types of commercial vehicles and drivers.

  • Long and short haul
  • New and used
  • Dealer or private party
  • No fleet requirement
  • 1099 drivers up to $250,000 with comparable borrowing
Learn more about Transportation Programs

Frequently Asked Questions

COMMON QUESTIONS

Frequently Asked Questions

Everything you need to know about equipment financing

How fast can I get approved?

Most applications receive same-day approval. Funding typically occurs within 24-48 hours of document completion.

What credit score do I need?

We work with all credit profiles from A through C. Lower scores may require additional documentation.

What documentation is required?

For requests under $400,000, we typically only need a one-page application. Larger amounts may require basic financial statements.

What are the financing amounts available?

We offer equipment financing from $20,000 up to $20 million, with flexible terms and payment options to match your business needs.

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Comprehensive Equipment Financing and Business Loans

Vista Pacific Capital provides equipment financing solutions for businesses across the United States. We serve all 50 states, including California, Texas, Florida, and New York. Our business equipment loans cover a wide range of industries, from construction and medical to restaurant and manufacturing. We offer quick equipment financing with approvals in as little as 24 hours.

Construction and Heavy Equipment

Our construction equipment financing programs cover everything from excavators and dump trucks to cranes and other heavy machinery. We work with both new and used equipment vendors.

Medical and Dental Equipment

We provide medical equipment loans for practices of all sizes. This includes financing for dental equipment, imaging machines, and other specialized healthcare technology.

Restaurant and Hospitality

Our restaurant equipment financing helps new and existing establishments purchase kitchen equipment, point-of-sale systems, and furniture.