For equipment vendors & dealers
Close more equipment sales
Bring a practical payment option into the sales conversation, keep qualified buyers moving and get paid when the transaction funds.
Equipment financing · Irvine, CA · Nationwide
5.0 Google rating · 23 reviews
Financing at the speed of business.
Faster than banks. Simpler than the rest. Equipment funded in hours, not weeks, for the businesses that run on it and the vendors who sell it.
100%Financing, no down payment
Up to $500KApplication-only financing
12–72 moFixed-rate term options
Up to 3 moDeferred payment options
Reputation & industryTrustpilotGoogle BusinessProfile & reviewsBBBBetter Business BureauNEFAEquipment finance associationELFAEquipment Leasing & Finance Association
Built around the transaction
One clear path for both sides of the sale
Whether you're helping a customer close or preparing your own business for its next stage, financing should make the purchase easier to complete.
For business owners & CFOs
Get the equipment, keep the cash
Acquire the equipment your team needs while preserving cash, choosing predictable terms and keeping the purchase aligned with your operating plan.
What we do
Financing for every stage of growth
Equipment and software financing from $10K to $10M, plus vendor programs, working capital and credit guidance. We listen, analyze and build a solution around your business cycle.
Lease vs. bank loan01Equipment financing
New or used equipment, software and service contracts, structured around your business cycle. We serve capital-intensive industries including IT, media, production, audiovisual, manufacturing, test and measurement, distribution, healthcare, oil and gas, construction and transportation.
Benefits
- Same-day approvals, often within hours
- Application only up to $500,000
- 100% financing, no down payment
- No hidden fees or surprises
- Off-balance-sheet, capital lease or simple finance agreements
- Corp-only transactions without a personal guaranty or financials
- No site visit required
- No evergreen language
Terms
- Fixed rates for the full term
- Deferred payments available
- Early prepayment options
- Terms customized to your business
02Vendor programs
Custom programs for vendors, manufacturers, VARs and nationwide distributors, so you can offer customers a simple, competitive payment option with your product line and win more net-new business.
Highlights
- 100% prefunding
- 0% or blind discounting incentives
- Same-day approvals, often within hours
- Non-recourse transactions
- 12–72 month terms
03Working capital
Short-term working capital for businesses of every size: inventory, cash flow, expansion, a seasonal bridge and more. You may qualify even when a traditional loan isn't an option, because we evaluate your business on its cash flow rather than relying on credit alone.
InventoryCash flowExpansionSeasonal bridge
Request a confidential conversation
04Credit management
Our consultants review the whole operation, from company financials and corporate credit health to fixed asset management, and help you understand your strengths, weaknesses, opportunities and threats. Once you see the full picture, you'll know which financing tools will help you reach your goals.
Talk to a consultant05Section 179 planning
Financed equipment may still qualify for Section 179. We'll help you structure the purchase around your tax plan and your placed-in-service timing. Confirm eligibility with your tax advisor.
Estimate your tax savings
Application-only financing up to $500,000
Move ahead without financial statements on qualifying transactions, with approvals designed to keep a time-sensitive purchase moving.
Less friction. More forward motion.
Capital that works around your operating plan
Preserve cash, get essential equipment in place and choose a structure aligned with how your business earns.
100%equipment financing
Minutesfor credit decisions
Fixedmonthly payments
Keep cash in the business
No down payment means working capital stays available for payroll, inventory and growth.
Match payments to timing
Choose 12–72 month terms and ask about deferring payments for up to three months.
Plan around Section 179
Get guidance on structures that may support your tax strategy. Confirm eligibility with your tax advisor.
Industry-focused financing
Built around the equipment behind the business
Specialized programs for the equipment our clients run on every day.
Audiovisual equipment
LED walls, production systems, audio, lighting and integration.
Get an instant finance quote
WISP / wireless ISP equipment
Radios, towers, backhaul, networking and customer equipment.
Get an instant finance quoteOffice furniture
Desks, seating, workstations, storage and conference rooms.
Get an instant finance quote
Test & measurement equipment
Analyzers, scopes, calibration, metrology and lab systems.
Get an instant finance quote
Food manufacturing & packaging
Processing, filling, sealing, labeling, inspection and conveyors.
Get an instant finance quote
Church financing
Audio, video, lighting, seating, security and facility equipment.
Get an instant finance quote
Section 179 planning
Estimate the potential first-year tax impact
Section 179 may let eligible businesses deduct qualifying equipment in the year it's placed in service, including some financed purchases.
1
Potential year-one deduction
Eligible equipment may qualify for an accelerated deduction instead of standard depreciation.
2
Placed-in-service timing matters
Qualifying equipment generally must be ready for business use by the applicable year-end deadline.
3
Financing may still qualify
A financed purchase can preserve working capital while eligible equipment goes to work.
Section 179 tax savings calculator
Enter the equipment cost and an estimated marginal tax bracket for a simple planning estimate.
Estimated tax bracketEstimated first-year tax savings$24,000
Estimated net equipment cost$76,000
Illustrative estimate assumes the full equipment cost is eligible and deductible and that enough taxable business income is available. Limits, phase-outs, bonus depreciation, state treatment and eligibility rules may change the result. Consult your tax advisor before making a purchase or tax decision.
No down payment assumed
Terms from 12 to 72 months, with results that update instantly. Deferred payment options are available.
Quick planning tool
See what a monthly range could look like
Adjust the equipment cost and term for an illustrative range before speaking with a financing specialist.
Choose a term
Illustrative monthly payment range$1,980–$2,37960-month illustrative term
- No down payment assumed
- Terms from 12 to 72 months
Terms shown are for illustration only. Actual approved terms vary by credit, equipment and transaction size. Additional information may be required. This is not a commitment to lend, a credit approval or a binding offer.
Request a formal payment proposal (PDF)
Simple by design
From equipment quote to a clear decision
A responsive process that respects the speed of small business.
Share the equipment and goal
Tell us what you're buying, the timing and what matters most in the structure.
Review the options
Compare practical term and payment choices with a financing specialist.
Put the equipment to work
Complete documentation, coordinate with the vendor and move forward.
Get current rates and terms
Start with a five-minute conversation: (800) 603-3945
For equipment vendors and dealers
Make financing part of the way you sell
Give customers a practical payment path at the point of decision, while your team stays focused on the equipment and the relationship. We build a white-labeled program around your product line, average ticket, checkout flow and sales motion, from quote to funding.
- 01
Private-label financing options
A financing experience that supports your brand and sales process.
- 02
Fast approvals for your customers
Keep qualified buyers moving with a responsive financing process.
- 03
You get paid upfront
Turn financed transactions into completed sales without carrying the customer balance.
- 04
Custom co-branded landing pages
A seamless financing destination with your logo, product line and sales messaging.
- 05
Portal & API integrations
A white-labeled financing workflow inside the tools your sales team already uses.
Program benefits
- 100% prefunding
- 0% or blind discounting incentives
- Same-day approvals, often within hours
- Application only up to $500,000
- 100% financing, no down payment
- No hidden fees or surprises
- Corp-only transactions without a personal guaranty or financials
- No site visit required
- No evergreen or renewal language
- Non-recourse transactions
Program terms
- Terms from 12 to 72 months
- Deferred payments available
- Fixed rates for the full term
- Early prepayment options
- Terms customized to your business needs
Transaction profiles
See the deal structure at a glance
The equipment, financing need, timing and intended outcome, side by side.
Illustrative scenario$250K
CNC machinery for a Midwest machine shop
- Review target
- Same business day
- Structure
- Zero down
- Goal
- Add production capacity
Illustrative scenario$180K
Food packaging line for a regional producer
- Review target
- 24 hours
- Term profile
- 60 months
- Goal
- Increase throughput
Illustrative scenario$95K
Test instruments for an engineering lab
- Review target
- Same business day
- Structure
- Application only
- Goal
- Meet project timing
Illustrative scenario$420K
Wireless network equipment for a WISP expansion
- Review target
- 48 hours
- Term profile
- 72 months
- Goal
- Expand service area
Illustrative financing scenarios, not actual client transactions. All financing is subject to credit approval.
Why lease
Keep your cash. Keep your credit lines.
How equipment financing with First Option Capital compares to a typical bank loan.
Bank loanTypical terms
First Option CapitalEquipment financing
Down payment
20–25% down
None, 100% financing
Bank credit lines
Used up
Left untouched
Paperwork up to $500K
Full financials
Application only
Credit decision
Varies
Can be minutes
Payment start
Varies
Defer up to 3 months
All financing is subject to credit approval. A one-time credit and documentation fee applies at lease start.
Every business reaches a point where growth needs outside resources. We listen, analyze and build a customized financing roadmap, for a company of one and Fortune 500 corporations alike.
$10K–$10MTransaction size
100%Financing, no down payment
5.0Google rating, 23 reviews
NationwideHeadquartered in Irvine, CA
Testimonials
What our clients say
5.0 Based on 23 Google reviews
First Option Capital has been a pleasure to work with. We were able to secure a quick approval without a personal guaranty and a very aggressive rate.
First Option Capital was able to secure fast financing for our startup so that we could get server hardware ordered for our client ASAP.
We have used Brandon for financing options for many of our business needs over the past 3 years and he has been honest about what he can deliver.
Who we are
The catalyst for your next stage
A nationwide financial solutions company with nearly two decades of combined experience. The companies we work with have already found success; they come to us to reach their next stage of performance.
Our mission
Help businesses succeed with competitive finance and lease programs, delivered quickly and without the red tape or cumbersome paperwork.
Our vision
Businesses secure the capital and equipment they need quickly, without using up cash reserves or credit lines.
Our philosophy
Educate first. We listen, analyze your operation and explain your options plainly, so you understand the tools that fit your goals before you commit to anything.
No project too small
From a company of one to Fortune 500 corporations, we customize the right solution for your industry and goals.
Careers
Join our team
We help customers get their financing right the first time. Our team is enthusiastic, multicultural and experienced, and we're always looking for qualified people across departments.
- Training and orientation program
- Competitive salary plus commission
- Paid vacation and holiday benefits
- Opportunity for advancement, and more
A clearer first conversation
Know the basics before you call
Every transaction is different. These answers help you find the right questions for your business.
Email a questionHow quickly can I get an approval?
Approvals can be available in minutes. Timing depends on the transaction, the equipment and how complete the application is.
Do I need financial statements?
Not on qualifying transactions. Application-only financing is available up to $500,000 with no financial statements required.
Can payments be deferred?
Deferred payment options of up to three months may be available, subject to approval and how the transaction is structured.
Can you help with Section 179 planning?
We can help you see how equipment financing fits your purchasing plan. Tax treatment depends on your situation, so confirm eligibility and timing with your tax advisor.
What is an equipment lease?
A lease is an agreement to pay a set amount for the use of equipment over a fixed period. Most leases include an option to buy the equipment at the end of the term.
Shouldn't I own my equipment instead?
Profits come from using equipment, not owning it. A lease puts the equipment to work now while your cash stays available, and you can still buy it at the end.
Is leasing more expensive than buying?
Compare the net after-tax cost, not the list price. Lease rates are priced against bank loan rates after tax effects, so the two usually cost about the same.
How is leasing different from a bank loan?
Banks typically ask for 20 to 25% down, may want extra collateral and use up your credit line. A lease can cover 100% of the cost and leaves your bank lines untouched.
Is a down payment required?
No. We offer 100% financing with no down payment.
Are there any extra charges?
Only a one-time credit and documentation fee, due when the lease starts.
What about sales tax and insurance?
Most states charge sales or use tax on the monthly payment. County personal property tax is paid by us and billed to you annually or monthly.
Can I cancel a lease early?
No, a lease is non-cancelable for its full term. If you need to upgrade or add equipment, a new lease can pay off the existing one.
What happens at the end of the lease?
You can return the equipment, continue the lease at the same payment, or buy it at fair market value or the agreed purchase option, such as $1.
Who maintains the equipment?
You do, and you receive all of the buyer's warranties from the manufacturer or vendor.
Isn't leasing complicated?
Usually not. Qualifying transactions up to $500,000 can be approved with just the application, without financial statements.
How do I apply?
Click Get financing on any page and answer eight quick questions, or call (800) 603-3945. Completing a contact request on this site does not authorize a credit pull.
Contact First Option Capital
Let's talk about what your business needs next
Talk through your equipment, timeline and financing priorities. Start with a five-minute conversation.
- Call(800) 603-3945
- EmailSales@firstoptioncapital.net
- Apply onlineStart your request in 2 minutes
Build a financing snapshot
Choose the equipment category and amount, see an illustrative monthly range, then request a conversation.
How much do you need?
Drag or type the approximate equipment cost.
Industry · amount$2,970–$3,568/mo60-month illustrative term · no down payment assumed