Our Financing Benefits
Benefits of Our Equipment Financing
Our streamlined process, competitive rates, and dedicated support make our equipment financing and business loans the ideal solution for your growth.
Financing Solutions
Industry-leading solutions with our comprehensive funding programs.
- Terms up to 84 months
- Access to as many as 15 different lenders
- No money down for qualified customers
- Competitive Rates
- New and Used Equipment
Quick Approval Time
Fast approvals for qualified application-only transactions.
- 2-minute application
- Soft credit pull only
- Application Only up to $750,000
- Financing from $20,000 to $50 million
Vendor Partnership Programs
Provide easy streamline financing solutions for your customers so they can grow their business.
- Programs for startup customers
- Vendor Rewards Programs
- Great alternative for customer to cash or local bank
- Prepayment up to 100% prior to completion
- Can cover shipping/training/labor costs
Industries We Serve
Equipment Financing for Your Industry
We provide tailored equipment financing and business loan solutions for a wide range of industries. Get the capital you need for new or used equipment.
Racks
Financing for warehouse racks and equipment.
- New & refurbished systems
- Labor & installation included
- Application-only up to $500,000
Construction
Financing for construction equipment from dealers or private parties.
- New & used equipment
- Dealer or private party sales
- Application-only up to $750,000
Medical
Specialized financing for medical practices of all sizes.
- New & used medical equipment
- Funding for specialized equipment
- Solutions for all practice sizes
Manufacturing
Financing for manufacturing equipment with competitive rates.
- Full production line programs
- International vendors supported
- Installation & shipping included
Restaurant
Financing solutions for new locations and equipment upgrades.
- Furniture, POS & kitchen equipment
- New & used equipment
- All credit types considered
Transportation
Flexible financing for all types of commercial vehicles.
- Long & short haul
- New & used vehicles
- Dealer or private party sales
Frequently Asked Questions
Frequently Asked Questions
Everything you need to know about equipment financing
How fast can I get approved?
Most applications receive fast approval. Funding typically occurs within 24-48 hours of document completion.
What credit score do I need?
We work with all credit profiles from A through C. Lower scores may require additional documentation.
What documentation is required?
For requests under $400,000, we typically only need a one-page application. Larger amounts may require basic financial statements.
What are the financing amounts available?
We offer equipment financing from $20,000 up to $50 million, with flexible terms and payment options to match your business needs.
Comprehensive Equipment Financing and Business Loans
Vista Pacific Capital provides equipment financing solutions for businesses across the United States. We serve all 50 states, including California, Texas, Florida, and New York. Our business equipment loans cover a wide range of industries, from construction and medical to restaurant and manufacturing. We offer quick equipment financing with approvals in as little as 24 hours.
Construction and Heavy Equipment
Our construction equipment financing programs cover everything from excavators and dump trucks to cranes and other heavy machinery. We work with both new and used equipment vendors.
Medical and Dental Equipment
We provide medical equipment loans for practices of all sizes. This includes financing for dental equipment, imaging machines, and other specialized healthcare technology.
Restaurant and Hospitality
Our restaurant equipment financing helps new and existing establishments purchase kitchen equipment, point-of-sale systems, and furniture.