Purpose
A precise explanation of what the capital will fund and what business or investment outcome it is expected to create.
$25K–$10M+
Asset-Based Growth Capital
Equipment Financing
Equipment financing helps businesses acquire or refinance revenue-producing assets while preserving cash for operations, hiring, inventory, and growth.
Capital Range$25K–$10M+
Typical Term24–84 months
Review SpeedSame-week approvals possible
Private Review StandardAsset-backed funding for machinery, vehicles, technology, and production growth.
Every request is framed around use of funds, repayment strength, collateral, timing, and the cleanest available funding path.
Loan Strategy
What it is
Financing for the equipment your business runs on — with a structure matched to how the asset improves production or revenue. We work with medical, logistics, construction, manufacturing, restaurant, technology, and service-based operators who need clear payment options.
Asset-backed funding for machinery, vehicles, technology, and production growth.
Private capital access, direct guidance, and lender-ready structuring — so your request is presented with the strength and clarity serious funding sources expect.
Core Features
- New and used equipment financing options
- Vendor invoice, private-party purchase, lease, loan, and refinance scenarios
- Potential soft-cost support for delivery, installation, training, or related expenses when eligible
- Fixed payment structures that can align with useful life and business cash flow
- Equipment-based review supported by borrower revenue, credit, industry, and collateral value
Eligible Uses
What it’s used for
Here is what this capital can support, how a request is typically reviewed, and the details that help move your deal forward faster.
Purchase construction, trucking, manufacturing, or medical equipment
Upgrade outdated systems without draining working capital
Finance restaurant, fitness, salon, dental, or office equipment
Refinance owned equipment to create liquidity
Bundle equipment purchase with working capital for launch or expansion
What Strengthens the Request
The details that help a capital source understand the opportunity.
A lender-ready request does more than name a loan amount. It connects the purpose, repayment path, borrower experience, supporting numbers, and decision timeline into one credible story.
Repayment
A clear source of repayment supported by business cash flow, property income, refinance, sale proceeds, or another realistic exit.
Support
Financial statements, bank activity, contracts, collateral, experience, and third-party documents that validate the request.
Timing
An honest deadline with enough information to separate immediate needs from avoidable urgency and select an appropriate product.
Deal Positioning
How It Is Structured
Here is what this capital can support, how a request is typically reviewed, and the details that help move your deal forward faster.
Strategem Capital Standard
Private Review Standard
Private capital access, direct guidance, and lender-ready structuring — so your request is presented with the strength and clarity serious funding sources expect.
- 01
A strong request includes the quote, vendor, asset description, delivery timing, and business use case
- 02
Terms often depend on equipment type, age, value, borrower profile, and down payment
- 03
Some requests may fit lease, loan, sale-leaseback, or equipment line structures
- 04
The page encourages borrowers to submit the asset details needed for faster review
From Review to Closing
A structured capital process with clear next steps.
The exact sequence varies by product, but qualified requests generally move through the same core stages.
Initial fit review
We evaluate the request, amount, use of funds, timing, collateral, cash flow, experience, and likely financing lane.
Package and positioning
The opportunity is organized into a lender-ready presentation with the most relevant supporting documents and explanations.
Capital-source diligence
The lender or funding partner reviews the file, requests clarification, confirms conditions, and issues available terms when appropriate.
Conditions and funding
Final documents, third-party reports, verification, legal items, and closing conditions are completed before funds are released.
Best Fit For
- Companies upgrading production capacity
- Medical, logistics, construction, manufacturing, hospitality, and service operators
- Businesses replacing aging equipment or adding new revenue lines
- Owners who prefer predictable payments over large upfront cash use
- Operators with an invoice ready and a clear deployment timeline
Helpful Starting Details
- Equipment quote, invoice, or asset description
- Vendor information or private-party seller details
- Business profile, time in business, and monthly revenue
- Desired down payment and delivery timeline
- Bank statements, financials, or credit details if available
Before You Apply
Important questions about this financing path.
Use these answers as a starting point. Final eligibility, pricing, leverage, documentation, and timing depend on the complete request and the reviewing capital source.
How is the final loan amount determined?
The final amount depends on product limits, cash flow, collateral value, purchase or project costs, borrower strength, existing obligations, and lender policy.
Will the lowest advertised rate apply to every borrower?
No. Pricing varies by risk, leverage, credit, financial performance, collateral, documentation, term, market conditions, and the capital source selected.
Can an incomplete request still be reviewed?
An initial conversation can begin with limited information, but stronger documentation produces clearer feedback and reduces delays once the request moves into underwriting.
What is the best first step?
Submit the requested amount, exact use of funds, timing, revenue or NOI, collateral details, ownership information, and a concise explanation of the opportunity.
Funding Request
Start the Equipment Financing review.
Submit the core deal details so Strategem Capital can understand the opportunity, the timeline, the use of funds, and the likely structure — then move quickly toward the right funding option.
Suggested documents:
Equipment quote, invoice, or asset description · Vendor information or private-party seller details · Business profile, time in business, and monthly revenue · Desired down payment and delivery timeline · Bank statements, financials, or credit details if available
Private Funding Request
Secure commercial-capital intake