Funding in 24 hours
Most files receive a decision within one business day, with capital wired in 24–48 hours after approval — so you can act on opportunities instead of waiting on them.
California · Nationwide funding
Small Business Loans & Equipment Financing, Funded Fast.
Northwood Capital Group delivers working capital and equipment loans from $25,000 to $5 million — with 24–48 hour credit decisions and programs for every credit tier.
Funding businesses in all 50 states · Headquartered in Irvine, CA
BBB A+ · Equal Opportunity Lender
What we fund
Working capital loans and equipment financing — built for growth.
Whether you need cash flow to keep operations moving or capital to acquire the equipment that grows revenue, Northwood structures financing around your business — fast decisions, flexible terms, and programs sized from $25,000 to $5 million.
Working Capital
Lines of credit, merchant cash advance, SBA loans and bridge financing to cover payroll, inventory and growth. Funding from $25K with same-week decisions.
- Lines of credit & MCA
- SBA & bridge loans
- Bad credit & subprime OK
Equipment Financing
Finance trucks, construction machinery, agricultural equipment and medical devices with $25K minimums and programs for every credit tier.
- Construction & ag equipment
- Commercial trucks
- Medical & dental
Small business loans & equipment financing — answered
- How do small business loans from Northwood Capital work?
- Northwood Capital Group offers small business loans, lines of credit, SBA loans, bridge loans, and merchant cash advances from $25,000 to $5 million. You apply in about 60 seconds with no impact to your credit, a funding specialist matches you to the right program, and most files receive a credit decision within 24 to 48 hours.
- What credit score do I need to qualify for a small business loan?
- We work with every credit tier. Working capital programs start as low as a 500 FICO, business lines of credit require a 680+ FICO, and startup financing requires a 700+ personal FICO. Bank-quality borrowers receive our most competitive rates, while subprime and challenged-credit files have dedicated programs.
- How fast can I get equipment financing approved?
- Equipment financing approvals are typically issued within 24 to 48 hours of a complete application. Funding is wired or paid directly to your vendor shortly after signing. We finance trucks, construction machinery, agricultural equipment, medical and dental devices, restaurant equipment, and more — new or used, from any vendor in the United States.
- Do I need to put money down for equipment financing?
- Most equipment financing programs at Northwood require $0 down for qualified borrowers, with 100% financing available including soft costs like delivery, installation, and warranty. Section 179 deductions may also let you write off the full purchase price in the year the equipment is placed in service.
- What documents do I need to apply for a business loan?
- For working capital loans under $250,000, we typically need a one-page application and the last 3 months of business bank statements. Larger loan amounts and SBA or bridge financing may require tax returns, a debt schedule, and a current balance sheet. Equipment financing usually just needs the application plus an invoice or quote from the vendor.
- Does Northwood Capital fund startups and businesses with bad credit?
- Yes. Startup equipment financing is available for businesses under two years old with a 700+ personal FICO. For established businesses, we have working capital programs designed for owners with challenged credit, recent bankruptcies, or thin files — as long as the business shows consistent revenue.
What clients say
5.0 stars across every Google review.
Verified reviews from business owners we've funded — from owner-operators to multi-location operators.
"This was our first time getting a business loan outside of our bank. Chris and his team delivered. From start to finish they explained the process and we walked away with a great experience. Got the equipment financing we needed within a week."
"I recommend Chris and his team to anyone that wants a lender that is willing to go the extra mile. The attention to detail and great communication all the way through the funding process made it simple and straightforward."
"My coffee shop needed a new roaster ASAP and they delivered an approval within days and funded soon after. If you need equipment finance, they have you covered."
"Helped me get a utility truck for my electrical business. Process was straightforward and easy. My bank still hasn't responded with an approval and my loan has already been funded."
"Chris made the funding process seem easy and fast. He kept in touch with me every step of the way and got me funded. His team really cares and it shows."
"My bank that I have been doing business with for over 20 years rejected my application for a business loan when I needed it the most. Northwood Capital funded me within 24 hours."
"This was our first time getting a business loan outside of our bank. Chris and his team delivered. From start to finish they explained the process and we walked away with a great experience. Got the equipment financing we needed within a week."
"I recommend Chris and his team to anyone that wants a lender that is willing to go the extra mile. The attention to detail and great communication all the way through the funding process made it simple and straightforward."
"My coffee shop needed a new roaster ASAP and they delivered an approval within days and funded soon after. If you need equipment finance, they have you covered."
"Helped me get a utility truck for my electrical business. Process was straightforward and easy. My bank still hasn't responded with an approval and my loan has already been funded."
"Chris made the funding process seem easy and fast. He kept in touch with me every step of the way and got me funded. His team really cares and it shows."
"My bank that I have been doing business with for over 20 years rejected my application for a business loan when I needed it the most. Northwood Capital funded me within 24 hours."
California roots, national reach
Headquartered in Irvine with active relationships across construction, agriculture, transportation, healthcare and hospitality in all 50 states.
Built for every credit profile
From bank-quality prime to challenged credit — we have a program. Real conversations with real underwriters, not algorithms or call centers.
How it works
From application to funded in four steps.
A clear, straightforward process. No portals to manage, no guessing where your file stands.
- STEP 01
Apply online
Tell us how much you need and what it's for. Takes about 60 seconds — no impact to your credit.
- STEP 02
Talk to a specialist
A funding specialist calls within one business day to confirm the program and document list.
- STEP 03
Get approved
Most files receive a credit decision in 24–48 hours with clear terms — rate, payment, and length.
- STEP 04
Get funded
Sign electronically and capital is wired to your account or paid directly to your vendor.
Get started
Apply in 60 seconds.
No SSN required. Soft pull only — your application does not impact your credit score. A funding specialist will call within one business day with program options.
- Phone
- (714) 679-8886
Get My Funding Options
Takes 60 seconds. Soft pull only.
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