Direct lender since 2001 · construction & excavation
$100,000 to $3 million for excavation and construction owners. We lend our own money, so the answer comes from us — funded in as little as 24 hours.
Funded since 2001
Average deal
Fast funding
Credit floor
Utah-based. We're a direct lender, not a broker. You work directly with us, which means personalized support and faster funding times.
Most banks only work with cash, we deal with machines on a daily basis.
Auction & private sale
Pre-approved before you bid. Funded in time to settle.
Rental or lease conversion
Stop paying off someone else's machine. Convert to ownership.
Fleet expansion
Multiple units on one approval, one payment.
| Criterion | Your bank | SFS |
|---|---|---|
| Credit floor | 680+ | 600 |
| Hard credit pull to quote | Yes | No |
| Used / auction equipment | Rarely | Routinely |
| Seasonal revenue swings | Counted against you | Expected |
| Min years in business for $100k | 2 | 1 |
| Who makes the decision | A committee | The person you called |
| Time to close | 30–90 days | 24 hrs – 10 days |
Tell us about your business in less than a minute.
Our loan expert will make sure it's a good fit and let you know how much funding you qualify for.
Once approved, you'll have the money in your account in as little as 24 hours.
| Amount | Loan type | Company type |
|---|---|---|
| $4,000,000 | Real Estate Bridge Loan | Development Company |
| $2,700,000 | Consolidation Loan | Food Processing Company |
| $2,000,000 | Real Estate Bridge Loan | Development Company |
| $178,000 | Transportation Loan | Trucking Company |
| $170,000 | Equipment Loan | Excavation Company |
| $151,000 | Equipment Loan | Landscaping Company |
| $131,000 | Equipment Loan | Equipment Rental Company |
Nationwide except California, New York, Hawaii and Alaska.
| Loan size | $100,000+ |
| Personal credit | 600+ |
| Time in business | Under 1 year considered |
| Collateral | Flexible |
| Down payment | 0–20%, or extra collateral |