Our Application-Only program is great for any business looking to finance equipment for less than $250,000.

Our application-only program is designed with your convenience in mind. Using our electronic system, you can fill-out and submit your application from the comfort of your home, office, or car through your cell phone, tablet, or laptop and get an approval typically within the same day! 

Leave the heavy paperwork behind!*

-Tax Returns
-Balance Sheets
-Account Balances

*In the event your credit profile is not strong enough, we may request these items, but typically they are not needed

The Application-Only Easy Process

Here’s how the program works:

Same Day
      Turnaround Time

24 – 60 Month
     Term Lengths

Up to $250k
     App-Only Limits

  1. You pick the equipment or vehicle(s) you need, from the vendor or private party you want.


  2.  Fill out our super easy application here online, or by PDF, in the comfort of your home or office.


  3. We take your application to our network of funding sources to get you the best approval possible.


  4. Once approved, we immediately e-mail you the finance agreement. You sign and return.


  5. Your get your equipment, vendor gets their funds; everyone’s happy!

What is taken into account when evaluating applications for approval?

We understand that you may be curious about the criteria we use for approval, but we assure you that we have a straightforward application-only process that allows us to make a decision based on your credit history. We do not want to overwhelm you- our valued customers, especially small and medium-sized businesses, with a laundry list of requirements that may cause you to hesitate or doubt your eligibility. To put it simply, if you have a solid credit history, regardless of how long or how much credit you have used, there is a good chance that you will be approved for our services. Let us take care of the assessment process and provide you with the support you need to succeed.

That being said…here are a few factors we consider:

Your Credit- comparable borrowing, homeownership, collections & charge-offs (doesn’t mean a decline, but may affect the rate & term), etc.

Your Business’ Credit- Do you have any? Is it good?

Time in Business- The longer the better, but we welcome start-ups when most others do not!

Equipment Type- Appreciates or depreciates over time?, Is there a secondary market for it?

Industry- Saturation and volatility

While we check public records, Paynet, and similar; we will consider applicants that have current payment difficulties or demonstrate a history of nonpayment to creditors (these traits will affect your rate, term, and downpayment, but not necessarily your odds of approval)

At our company, we take pride in providing financing options to small and medium-sized businesses that may have previously been declined credit by other lending institutions. Our approval process is designed to be accessible and supportive, even for those without significant financial resources or an extensive financial analysis. We believe in empowering mom and pop businesses to grow and succeed, and we welcome the opportunity to work with a diverse range of companies to help them achieve their goals.

To put it simply…we look for a reason to say yes, where others often say no.

Great customer service and easy process

I was able to get an equipment loan for my business. This was a very smooth process. Robert Esquivel and Nick Caputa were amazing. They were prompt, answered all of my questions and assisted in any way possible. I highly recommend envision finance for your business needs.

-Morris Godfrey | Itani Gardens LLC

Equipment Loan or Equipment lease, Envision Finance is the smart choice for Business owners. Envision your future, apply today, and get approved:


Financiamiento bien hecho

Now is the time to grow your business. Envision Finance is here to help you succeed!

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