Commercial Equipment & Business-Purpose Financing
Flexible and transparent financing and leasing solutions for small and mid-sized businesses — even when traditional lenders say no.
A Partner Who Listens First
At Forge Capital & Leasing, we help small and mid-sized businesses access flexible and transparent equipment financing and leasing solutions. We believe every hardworking business owner deserves a partner who listens, understands their needs, and finds real solutions — even when traditional lenders say no.
Built for Established Businesses and Startups Alike
We work with businesses across the United States seeking financing for essential equipment, with funding requests from $10,000 up to $500,000 — and in select cases up to $1 million through partner programs.
Construction & Contracting
Excavators, skid steers, trenchers, compressors.
Transportation & Trucking
Box trucks, semis, trailers, transit vans.
Manufacturing & Fabrication
CNC machines, shop tools, production systems.
Landscaping & Agriculture
Tractors, mowers, and service vehicles.
Healthcare & Commercial Services
Medical and office equipment.
New & Growing Businesses
Startup programs for companies under 2 years with industry experience.
An Independent Broker, Working for You
We are an independent commercial finance broker — meaning we work for you, not the bank. Our role is to match your business with the right funding partner from our trusted lender network. We don't set rates or make credit decisions — our funding partners do.
$1 Buyout Leases
Own your equipment outright at the end of the term.
Fair Market Value (FMV) Leases
Lower monthly payments with a flexible end-of-term buyout.
Equipment Finance Agreements (EFA)
Straightforward, loan-like ownership financing.
Startup & New Business Programs
For companies under 2 years old with industry experience.
App-Only Programs
Up to $125,000 with minimal documentation required.
Full Financial Packages
For larger or complex deals with favorable terms.
What a Typical Deal Looks Like
As reflected in our 2026 vendor pricing matrix. These figures are illustrative examples only — every deal is unique, and actual rates, terms, and fees vary by client, credit profile, and situation. Nothing here is a quote or a guarantee.
| Typical Deal Range | $10,000 – $1,000,000 |
|---|---|
| Terms | 36–60 months |
| Documentation Fee | $500 (varies by program) |
| Security Deposit | 10–30% depending on credit tier |
| Minimum FICO | 580+ |
| Time in Business | 2+ years preferred (startup programs available) |
We offer both FMV and $1 Buyout structures, with flexible monthly payments that allow your equipment to pay for itself as you grow. These are example figures only and vary from client to client and situation to situation — rates, terms, and fees are set by our funding partners and are subject to change at any time without notice. Want a rough monthly-payment estimate first? Try our pre-qualification calculator.
When Other Lenders Say No, We Often Say Yes
Straightforward Documentation
Application-only up to $125K; full financials for higher tiers.
Flexible Options
Multiple term structures, lease types, and deposits.
Trusted Lender Network
Backed by established national funding partners.
Industry Expertise
We understand equipment, credit, and business growth.
Transparent Process
No hidden fees, clear communication every step of the way.
Honest, Realistic Timelines
We pre-qualify quickly, usually the same day. Final funding decisions come from our partners and typically take 24–48 business hours.
Financing Questions, Answered Honestly
What types of equipment can Forge Capital & Leasing finance or lease?
We work with a wide range of business and industrial equipment including construction machinery, transport trucks and trailers, manufacturing tools, landscaping and agricultural equipment, and office or medical equipment. If your equipment is essential to business operations, there's a good chance we can help finance it — whether it's new or used.
Do I need perfect credit to qualify?
Not at all. We partner with multiple funding sources that consider more than just your credit score. While a FICO score of 580 or higher helps, our partners also review business cash flow, time in business, and collateral strength. Even if traditional banks have said no, our flexible network and multiple credit tiers often allow us to say yes — especially for established operators and startups with industry experience.
Do you pull my credit, or does Forge Capital & Leasing make the approval decision?
No. We don't pull credit and we don't make credit or funding decisions ourselves. We pre-qualify your request based on the information you provide, then submit it to the funding partner best suited to your situation. That partner runs credit and makes the final underwriting decision — typically within 24–48 business hours.
What's the difference between a lease and a finance agreement?
A lease allows you to use equipment for a set term with lower monthly payments and options to purchase, renew, or return at the end — such as a $1 Buyout Lease or Fair Market Value (FMV) Lease. A finance agreement (EFA) works more like a loan, where you gain full ownership after making all scheduled payments. We'll help you choose the option that best fits your cash flow, tax strategy, and long-term goals.
Let's Find the Right Fit for Your Business
No cost, no credit pull, and a real person on the other end. Tell us what you need and we'll take it from there.
Get Pre-Qualified →