Small Business Financing

Financing a new business or obtaining start-up capital whether you’re a large or small business can sometimes be difficult. Business financing options even for well-established small businesses depending on your credit history may be limited.

Small businesses requiring equipment financing have experienced the frustration of applying for a bank loan. Many banks advertise they are friendly to small businesses, but without tangible security the friendship quickly fades. Furthermore, small business people have found that banks tend to be very time consuming with an almost endless sea of paperwork. After spending sometimes weeks trying to obtain a loan, the bank may simply decline the application. For those businesses that do pass the test, many businesses discover the bank rates are not as “cheap” as they first thought. Not to mention the additional costs incurred such as the business plan for financing and the bank’s application fee. While a bank loan or secured line-of-credit against a home may be acceptable for some business owners, others prefer not to mix their business affairs with their family home. But what’s an acceptable alternative?

Obtaining Start Up Capital Through Guardian

Most new businesses have no commercial credit or financial history. Therefore, in order to approve your financing we must rely on the owners of the business and their personal credit and financial history. Assuming the principal(s) of the business have acceptable credit (to us) most transactions will be approved. For larger lease requests we may look for the owners to have some prior industry experience. And if you’ve personally been successful over the years and have accumulated some assets or you have ongoing employment income, feel free to tell us. It can’t hurt! Lastly, since we’re asset based lenders and you might be getting a great deal on your equipment or vehicle, please let us know. Sharing is good. Now that you have a better idea of what we look for, simply click  APPLY NOW and tell us about yourself.

The Highest Credit Approval Ratio

New small businesses seeking business financing love us. Why? We generally make life easier for them and help their business dreams get started.

Guardian Leasing has one of the highest credit approval rates in North America, typically exceeding ninety eight percent (98%) of all credit applications reviewed. This high percentage is due to our unique ability to self-fund transactions we well as maintaining a select grouping of underwriters and securitization partners that specialize in elevated risk transactions. Speak to a Guardian Leasing representative today at 1-866-LEASE-58 or email us at [email protected] and help to share the love.