Financing programs
Business Financing Programs
Every business is different, so we don't force yours into one kind of loan. We work with 60+ lending sources, which means we can match you with the structure that fits your cash flow, your equipment, and your plans. Funding runs from $10K to $5MM+, and checking your options uses a soft credit pull only.
Not sure which program fits? That's normal, and it's our job to figure it out. Apply once, and we'll compare your options and walk you through them in clear terms.
- Soft pull only
- Free to apply
- 60+ lending sources
Equipment Financing Structures
Click any program to see how it works and who it fits best.
Equipment Finance Agreement (EFA)
How it works: You own the equipment from day one and make fixed payments until it's paid off. There's no buyout at the end because it's already yours.
Best for: Businesses that plan to keep the equipment for its full working life and want a simple, predictable path to ownership.
Equipment Loan
How it works: A traditional equipment loan where the equipment secures the debt. Of the equipment structures we place, loans usually carry the strongest incentives for paying off early, though the details depend on the lender.
Best for: Owners who expect strong cash flow and want the option to pay off early and save.
$1 Buyout Lease
How it works: A predictable, low cost path to ownership with a simple, fixed buyout at the end of the lease. You make lease payments, then the equipment is yours for one dollar.
Best for: Businesses that know they want to own the equipment and like a fixed, predictable end cost.
$101 Buyout Lease
How it works: A predictable, low cost path to ownership with a simple, fixed buyout at the end of the lease. It works just like the $1 buyout, with the final purchase price set at $101.
Best for: Owners who want a lease with a known, low cost path to ownership at the end.
10% and 15% Residual Lease
How it works: You make lease payments, then choose at the end of the lease. Pay the residual, either 10% or 15% of the cost agreed up front, and the equipment is yours to keep. Or hand the equipment back to the lender and walk away. Because part of the value sits at the end, your payments during the lease stay lower than they would with a $1 buyout.
Best for: Equipment you expect to replace on a cycle, such as gear that earns well for 3 to 5 years and is then due for an upgrade. You get lower payments now and the choice later to own it or return it.
Fair Market Value (FMV) Lease
How it works: You get lower payments during the lease. At the end, you choose to upgrade to newer equipment, keep leasing, buy it at its fair market value (what it's worth at that time), or return it.
Best for: Technology, medical, and other equipment that changes quickly and that you'll likely want to replace.
TRAC Lease
How it works: TRAC stands for Terminal Rental Adjustment Clause. It's built for trucks, trailers, and other titled vehicles. You and the lender agree on the vehicle's value at the end, which helps keep monthly payments lower, and you get flexible options when the lease ends.
Best for: Work trucks, service vehicles, and fleets that want lower payments and end of lease flexibility.
Collateral Support Lease
How it works: If your deal needs a little more strength, equipment you already own can serve as extra collateral. This can open doors when a traditional loan isn't a fit.
Best for: Businesses with limited credit history or tougher credit that own paid off equipment.
Sale Leaseback (Cash Out)
How it works: You sell equipment you already own to a lender, get cash for it, and lease it back so you never stop using it.
Best for: Owners who want to unlock the value in their equipment to fund growth, expansion, or new opportunities.
Business Capital
Equipment isn't the only thing that grows a business. These programs help with bigger projects and everyday needs.
SBA Loans
How it works: SBA loans are partly backed by the U.S. Small Business Administration, which helps lenders offer longer repayment and favorable structures. Common programs include the SBA 7(a) and SBA 504. We can help you pursue up to $5MM.
Best for: Larger projects such as buying a business, partner buyouts, commercial real estate, build outs, and refinancing existing debt.
Working Capital
How it works: Fast funding for payroll, inventory, marketing, repairs, and other day to day needs. You'll need at least 1 year in business to qualify.
Best for: Established businesses that need cash quickly to cover a gap or take on a new opportunity.
Business Line of Credit
How it works: You get access to a set amount of funds, draw what you need when you need it, and only pay on what you use. As you repay, funds become available again.
Best for: Businesses with seasonal swings or ongoing costs that want a safety net ready to go.
MissionFund at a Glance
- Funding amounts$10K to $5MM+ (SBA loans up to $5MM)
- Lending sources60+ lenders compared for you
- Credit checksoft pull only, and we never do a hard pull
- Cost to applyfree
- Startupsequipment financing available from day one in every industry we serve
- Paperworkrequests under $150K can often be approved on the application alone, and funding can often finalize with just a driver's license and the equipment invoice
- Industries we don't servecannabis, over the road trucking owner operators, and car dealerships
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
How do I know which program is right for me?
You don't have to know before you apply. Tell us about your business and what you need, and we'll compare options from our lending sources. Then we'll break the choices down so you can decide.
What's the difference between a lease and a loan?
With a loan or an EFA, you own the equipment from the start. With a lease, the lender owns it while you use it, and you choose what happens at the end, such as buying it, upgrading, or returning it.
Will applying hurt my credit?
No. We use a soft credit pull only, which doesn't affect your credit score. We never do a hard pull.
Can a startup qualify?
Yes, for equipment financing. Startups in every industry we serve can apply from day one. Working capital and lines of credit require at least 1 year in business.
What happens after I apply?
Submitting your application authorizes us to submit it to lenders within our network on your behalf. We'll review the offers with you, and once you choose one, we'll help you finish the paperwork and get funded.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
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