Equipment & Asset Financing FAQ

Last updated: July 2026 · Figures cited are published by our funding partner, REIL Capital

Direct answers on financing equipment and assets. Every answer stands alone; product pages go deeper.

Products

How does equipment financing work?

The equipment collateralizes its own purchase: the funder pays the vendor, you repay on a fixed schedule, and approval leans on the asset's value plus your revenue. Decisions within 24 hours via REIL Capital. Full guide.

Can I finance used equipment?

Yes — new and used both qualify, subject to the funder's review of the asset's value and condition.

What is bridge financing?

Short-term capital covering a defined timing gap — project deposits before draws, closings before long-term funding — repaid when the contractual incoming event lands. Funds in 1–3 days. Full guide.

What is invoice or AR financing?

An advance against unpaid B2B invoices: most of the value now, settlement when your customer pays. Your customers' credit does the qualifying. Full guide.

What is asset-based lending?

A revolving facility secured by combined assets — receivables, inventory, equipment — sized by a borrowing base that grows as your assets grow. Full guide.

Speed & qualifying

How fast can I get funded?

Decisions within 24 hours; equipment, bridge, and term structures typically fund in 1–3 days, AR advances within days — per REIL Capital's published timelines.

Can I qualify with bad credit?

Asset-backed financing is the most credit-forgiving category — collateral lowers risk and paths start around 500+ FICO with ~$250K annual revenue. No hard credit pull to check options. Qualification details.

Is Your Capital Sources a lender?

No — we're an independent information and referral service operated by vCIO, LLC. REIL Capital and/or its lending partners evaluate and fund applications; we may be compensated for referrals at no cost to you. See our disclosure.