Heavy construction equipment financed at a job site at dusk

Equipment Financing & Working Capital

Capital for the businesses that build, haul and manufacture.

Cap Fi arranges equipment finance and working capital for owner-operators, contractors and growing companies — structured quickly, priced competitively, and handled by people who answer the phone.

Request Financing Call (804) 774-5101

—Approvals in as little as 24 hours

—$5,000 to $5 million

—Startups & challenged credit considered

What We Do

Finance Services

Equipment Financing

New and used equipment across construction, transportation, manufacturing, medical and more. Terms from 24 to 84 months.

/Construction & Heavy Equipment
/Trucking & Trailers
/Machine Tools & Manufacturing
/Medical & Dental

Working Capital

Fast, unsecured capital to cover payroll, materials, mobilization costs and seasonal gaps without tying up your assets.

/Short-Term Working Capital
/Business Lines of Credit
/Invoice Factoring
/Merchant Cash Advance

Structured Programs

Purpose-built structures for acquisitions, fleet expansion and balance-sheet clean-up, arranged through our lender network.

/Sale-Leaseback
/Fleet & Portfolio Refinance
/Vendor Finance Programs
/SBA-Adjacent Solutions

How It Works

A straightforward process

Tell us what you need

A short conversation about the equipment, the timeline and the numbers. No obligation, no credit pull.

We shop the market

We take your file to the lenders most likely to say yes at the best terms — not just one balance sheet.

Review your options

Clear side-by-side terms: rate, payment, term length and end-of-term options in plain English.

Fund and go to work

Documents signed electronically and vendors paid, often the same week you applied.

Business owner reviewing equipment finance paperwork

Why Cap Fi

Brokers, not order takers.

A bank can only offer you its own program. We work across a network of equipment lenders, funds and specialty finance companies, which means we can place credit profiles most banks decline — and negotiate on rate, structure and documentation requirements.

24 hrs: Typical approval turnaround
$5M: Maximum transaction size
A–C: Credit tiers we place
One: Direct point of contact

Get In Touch

Let’s talk about your next purchase.

Call us directly or send a few details and a Cap Fi broker will follow up the same business day.

(804) 774-5101