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FAQs

  • Find answers to commonly asked questions about Heritage Equipment Lending.

Frequently Asked Questions

  • What is Heritage Equipment Funding?

    Heritage Equipment Funding is an independently owned and operated business funding company that provides equipment lines of credit, equipment financing, and equipment leasing to eligible U.S.-based businesses.

  • Are your qualification requirements different from those of banks?

    Yes. Heritage Equipment Funding offers a more accessible approach to equipment funding. Our qualification requirements are notably less stringent compared to those imposed by traditional banks or lenders.

  • How can I qualify for an equipment line of credit?

    For an equipment line of credit, our minimum requirements include at least two years in business, three months’ business bank statements, and a favorable payment history. Additionally, your credit score and business standing will impact your eligibility and the line of credit amount you can receive.

  • How can I qualify for equipment financing or equipment leasing?

    For equipment financing or equipment leasing, our minimum requirements include at least two years in business, three months’ business bank statements, a favorable payment history, and an equipment quote or invoice. Plus, your credit score and overall business standing will impact your eligibility and the amount of funding you can receive.

  • What are the limits on how much funding I can obtain?

    Heritage Equipment Funding offers significant lending power. We provide equipment credit lines of up to $10 million, as well as application-only equipment financing and equipment leasing options for eligible businesses up to $500,000.

  • What does "application-only" financing mean?

    Application-only financing, also known as app-only financing, is a process for obtaining equipment financing where approval for a specific funding amount is granted based on a simple application form. This type of financing does not require extensive financial documentation or collateral.

  • How can I apply for funding?

    Heritage Equipment Funding makes it easy to apply for our equipment funding products. We have a secure application on our website that requires basic information about you and your business.

  • Can the funding be used to finance soft costs?

    Yes. You can use your funding to cover soft costs associated with financing or leasing equipment for your business. Examples of soft costs include shipping and freight charges, installation, training, and warranties.

  • How do you determine the amount of funding my business is approved for?

    If your application for equipment funding is approved, several factors will determine how much you can obtain. These factors include your credit score, annual revenue, and the length of time your business has been operating. It’s important to note that a higher credit score may increase your potential funding limit.

  • What is the expected timeline for receiving funding?

    Once your application is approved, you can quickly access funding. Same-day funding is available during our regular business hours for specific transaction amounts. This ensures you receive the equipment funding you need without unnecessary delays.

  • How do I contact Heritage Equipment Funding?

    If you have questions about our company or our equipment funding products or want to inquire about your existing Heritage Equipment Funding account, please get in touch with us via telephone, email, or through our online form.