Add working capital to your equipment financing, with one application, one lender and monthly payments. Cover the ramp-up, the soft costs and the seasonal gaps that come with growing a business.
All financing is subject to credit approval and documentation. Not all applicants will qualify.
Equipment earns money once it is running. Working capital gets it running, and keeps the business steady in between.
Training, tooling, materials and the first payroll cycles before the equipment pays for itself.
Mobilization, materials and labor before the first progress payment arrives.
Stock up before the busy season, or carry crews and payments through the slow months.
Delivery, installation, rigging, software and warranties that come with the equipment.
Take a supplier’s volume discount without draining your operating account.
Keep paying your team while customers and insurers pay on 30-, 60- or 90-day terms.
Start with the equipment you need, then add the cash around it.
Finance the soft costs that come with equipment (delivery, installation, training, software and warranties) inside the same contract. Ask about deferred, seasonal or skip payments if your revenue is seasonal.
Add a separate working capital note when you finance equipment. It reuses the same application and credit review, and is usually secured by the equipment you are financing rather than a lien on everything you own.
Established and repeat customers can ask about larger working capital, including lines of credit arranged with our bank partners. We will tell you plainly whether we, a bank partner or another option is the best fit.
The right structure depends on what the money is for and how long it takes to pay you back.
| Option | What it funds | Term | Typical collateral | Best when |
|---|---|---|---|---|
| Equipment financing with soft costs | The machine plus delivery, installation, training and software | Matches the equipment’s useful life | The equipment | Buying equipment and want one payment |
| Equipment + working capital | Equipment plus cash for ramp-up, materials or payroll | Shorter note for the cash, longer term for the equipment | Usually the financed equipment | A new machine or contract needs cash to get running |
| Working capital term loan | A lump sum for a known need | Short to medium term, fixed monthly payments | Varies; often equipment or business assets | Seasonal inventory, a large job, a cash-flow gap |
| Business line of credit | Draw as needed, repay, draw again | Revolving | Varies | Recurring, unpredictable timing gaps |
A summary for comparison only. Your offer states the actual term, payment, APR, fees and collateral.
Use the short form above or start a full application. Tell us the equipment, the amount and what the cash is for.
We look at your revenue, bank statements, credit and the equipment together, and request any documents in your portal. A person reviews every exception.
You see each option with its APR, term, payment and fees before you sign. Sign electronically.
We pay the equipment vendor directly and send working capital to your business account.
Time in business, annual revenue, recent business bank statements and how you plan to use the funds. Requests above our application-only limit of $1M also need financial statements and tax returns.
Business and owner credit, existing debt, and the equipment being financed. Owners usually sign a personal guarantee. We tell you the collateral and guarantee terms before you sign.
Cash needs differ by trade. See how we finance equipment in your industry, then ask about the working capital around it.
Working capital is current assets (cash, receivables and inventory) minus current liabilities (payables and the next 12 months of debt payments). A positive number means you can cover near-term bills from near-term money. Many owners also track how many days of operating expenses they could cover from cash on hand.
The need usually spikes at predictable moments: when you add a machine and have to staff and supply it, when a large contract pays on progress draws, and before a busy season. Financing those moments, rather than paying from the operating account, keeps cash available for payroll and surprises.
Equipment financing helps here too. Financing a machine instead of paying cash preserves working capital, and the Section 179 deduction can lower the tax bill in the year you put it in service. Try our Section 179 calculator or read why businesses finance equipment instead of paying cash.
A working capital loan funds the day-to-day costs of running a business, such as payroll, inventory, materials, rent and the gap between finishing a job and getting paid. It is usually shorter than equipment financing because it pays for things that are used up rather than a machine that lasts for years.
Yes. That is what we do best. When you finance equipment with LenderCloud, you can ask for working capital on the same application. We can finance soft costs (delivery, installation, training and software) inside the equipment contract, or set up a separate working capital note alongside it. Either way you deal with one lender and one portal.
Working capital starts at $10,000. The amount we can offer depends on your revenue, cash flow, time in business and credit, and on the equipment deal it is paired with. Tell us what you need in the form and we will tell you what fits.
We look at time in business, business revenue and bank statements, business and owner credit, and how the money will be used. Larger requests may also need business tax returns or financial statements. We tell you exactly which documents we need in your portal.
Usually, yes. Working capital we provide alongside equipment is typically secured by the financed equipment, and most small-business financing requires a personal guarantee from the owners. We avoid blanket liens on everything your business owns where we can, so your bank lines stay free. Your offer will spell out exactly what is required before you sign.
Every LenderCloud offer states its cost as an annual percentage rate (APR), along with the term, payment and any fees, so you can compare it with a bank loan or line of credit. We do not quote factor rates or daily rates. Pricing depends on your credit profile and the structure you choose.
Asking for information with the form on this page does not involve a credit check. When you submit a full application, we review business and personal credit as part of underwriting, and the application explains what is pulled before you agree to it.
A line of credit lets you draw money as you need it and pay interest only on what you use. A term loan gives you a lump sum that you repay in fixed monthly payments. Lines suit recurring, unpredictable needs; term loans suit a known cost such as a project ramp-up or a seasonal inventory buy.
Newer businesses are harder to fund with unsecured working capital. If you are buying equipment, pairing the request with that equipment, or financing soft costs inside the equipment contract, is often the most practical route for a young business.
Apply online in about 5 minutes. Tell us about the equipment and the working capital you need on the same application.
LenderCloud is a commercial lender, not a bank. All financing is subject to credit approval and documentation; not all applicants will qualify. Rates, terms and fees vary by credit profile and structure and are disclosed as an APR in your offer. Commercial purposes only. Last updated November 12, 2026.