Author
Christopher Chavez
Founder & Principal, Northwood Capital Group
Christopher Chavez founded Northwood Capital Group to give U.S. small business owners the same access to commercial capital that large corporations take for granted. With over a decade in equipment finance, SBA lending and working capital, Christopher has structured thousands of transactions across trucking, construction, agriculture, medical and manufacturing.
Before founding Northwood, Christopher worked in commercial credit and equipment leasing, learning the underwriting side of the business from lenders including national banks and independent finance companies. That underwriter's perspective is baked into every Northwood file — clients don't get a broker throwing applications at the wall; they get a strategy.
Christopher is based in Orange County, California, and personally oversees Northwood's underwriting philosophy, lender relationships, and the firm's charitable-giving program (1% of every funded deal goes to St. Jude, Shriners, and Feeding America).
Areas of Expertise
- · Equipment financing & leasing ($25K–$5M)
- · SBA 7(a) and 504 loan structuring
- · Commercial truck and fleet finance
- · Agricultural & seasonal payment structures
- · Working capital, MCA & bridge lending
- · ITIN and story-credit underwriting
Recent Articles
How to Finance a Semi Truck with Bad Credit
Bad credit doesn't disqualify you from buying a truck — it changes the structure. Here's what owner-operators need to know about getting approved.
Equipment Financing vs. Equipment Leasing: What's the Difference?
Financing builds equity. Leasing preserves cash. Which one wins depends on how long you'll keep the equipment — and how you want to use Section 179.
Business Line of Credit Requirements: What You Need to Qualify
Lines of credit are reserved for prime-credit borrowers. Here's exactly what underwriters look for at 680+ FICO — and the alternatives if you're not there yet.
What Is a Bridge Loan and When Should You Use One?
Bridge loans exist to keep deals from falling apart while slower capital catches up. Here's how they work and when they're the right call.
SBA 7(a) vs SBA 504: Which Loan Is Right for Your Business?
Both are SBA loans. They solve different problems. Here's how to tell which one your business actually needs.
Agricultural Equipment Financing for California Growers
California ag runs on cash flow that doesn't look like other industries. Equipment financing should respect that — seasonal payments, ITIN programs, and real underwriting.
Work With Christopher's Team.
Speak with a Northwood funding specialist today. Most decisions in 24–48 hours.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties