3 Equipment Financing Solutions for Your Clients

As a trusted professional who recommends equipment loans to clients, understanding the full range of financing options is key to offering the best solutions. Whether you provide equipment loans in-house, or refer clients to other lenders who provide them, guiding clients to the right financing strategy helps them:

• Unlock capital
• Optimize cash flow
• Scale operations

Equipment Refinancing

For clients with valuable equipment but limited cash flow, equipment refinancing is a powerful solution. This option allows them to refinance existing equipment, freeing up cash while maintaining ownership of the assets. Especially when exiting marginal clients, explaining how equipment refinancing can improve cash flow, making it easier for them to manage finances, could well be a big step toward sending them on a path to bankability once again.

Equipment-Only Financing

When your clients are looking to leverage existing equipment and unlock the value of those assets without relying on additional collateral, equipment-only financing is an ideal solution. This option quickly frees up capital for operational flexibility while preserving ownership and full control of the equipment. While many lenders do not offer stand-alone equipment financing, Celtic Capital does. We’ll finance the equipment; you handle the rest.

CapEx Financing

Designed for businesses seeking large, strategic investments in new equipment, with CapEx financing, your clients can spread out the costs over time, improving cash flow management and making it easier to manage big-ticket purchases. Recommending this financing option can help your clients make long-term investments without putting undue pressure on their immediate financial situation. It’s the perfect way to boost operational efficiency and fuel business growth.

Celtic Capital’s Financing Options Are Designed To Help Businesses Succeed

As a referral partner, you can offer these alternatives to your clients, ensuring they have access to flexible financing that doesn’t drain their resources or disrupt ongoing operations. By referring clients to us, you can:

• Strengthen your client relationships by offering additional, valuable solutions.
• Position yourself as a trusted advisor who can guide clients to the best financing options for their needs.
• Provide solutions that improve clients’ liquidity, which may lead to new business opportunities and long-term partnerships.

About Celtic Capital
Companies looking for working capital to cover operating expenses, fund growth, increase buying power, and take advantage of vendor discounts and rebates turn to Celtic Capital. With an appetite for more complex transactions, Celtic Capital has a history of success in crafting creative, flexible asset-based financing solutions from $500,000 to $8 million with no financial covenants.

As an independent lender, working with companies nationwide, Celtic Capital is willing and able to alter price and deal structure and expand lines of credit to handle its clients’ increased revenues; and when cash flow is an issue, will look toward providing an inventory facility to help offset lost cash flow.

If you know of, or are, a business in need of non-traditional financing, contact Mark Hafner at 800.742.0733 or mhafner@celticcapital.com, or visit us at celticcapital.com.