Working Capital & Equipment Loans

Approved Based on Bank Statement Deposits — Not Tax Returns

Strong cash flow should open doors—not close them.
If you’re self-employed or a business owner with real deposits but write-offs on paper, our bank statement–based working capital and equipment loans are built for you. We underwrite what matters most: actual money coming in, not accounting optics.

Who This Is For

Contractors & trades (construction, HVAC, electrical, plumbing)

Service businesses (landscaping, logistics, home services)

Trucking & transportation

Medical, dental, and professional practices

E-commerce, retail, and growing operators

If your business shows consistent deposits, you’re a candidate—even if banks said no.

How It Works

We review recent bank statements (typically 6 months)

Deposits drive approval and loan size

Simple documentation—no tax returns required

Fast decisions with flexible structures

Cash flow beats credit. Strong deposits can outweigh average credit or aggressive write-offs.

What You Can Finance

Working Capital

Payroll and operating expenses

Marketing and growth initiatives

Seasonal cash flow gaps

Inventory and vendor payments

Equipment Financing

Vehicles, trucks, trailers

Construction and heavy equipment

Medical and office equipment

Technology and specialized machinery

Key Advantages

No tax returns required

Approvals based on deposits

Faster funding than banks

Flexible terms and structures

Startups considered (with deposits)

Typical Loan Features

Loan amounts: Based on monthly deposits and cash flow

Terms: Short- to mid-term options available

Rates: Risk-based pricing tied to deposits and time in business

Use of funds: Broad—working capital or equipment

(Exact terms depend on deposit history, industry, and structure.)

Why Borrowers Choose Us

We’re not order-takers—we’re deal architects.
That means:

Structuring loans to protect cash flow

Matching you with the right capital source

Avoiding over-leverage that kills flexibility

Planning exits and refinances upfront

Get Pre-Qualified

You don’t need perfect credit—or perfect tax returns.
If your business deposits are real and consistent, we can help.

👉 Start with a quick bank statement review

No obligation. Clear answers. Real options.