Buying or upgrading equipment and vehicles
The thing you are buying becomes the security behind the loan, so a machine, a vehicle or a fit-out can be paid for out of what it will earn.
Collateral & Asset Loans
Who it's for
Businesses purchasing machinery, vehicles, technology, or other equipment
Typical amounts
$10,000 – $1,000,000
Terms
12 – 60 months
Requirements
Equipment quote or invoice
Requirements
6+ months in business
Requirements
Active business
Your equipment and property already carry value. This turns that value into money you can use, instead of waiting to save it up first.
What it helps
When a collateral or asset loan is the right fit.
Opening a second location
A collateral-secured loan can put commercial real estate to work for the expansion, instead of holding cash back for years.
Unlocking equity in commercial real estate
If you own the building, the equity in it can fund growth somewhere else without selling the property.
Financing technology and infrastructure
Servers, software and infrastructure earn for years. Spreading the cost over that time keeps working cash inside the business.
Process
Three steps to get funded.
01
Apply in minutes
Fill out one short online application. Tell us what your business does and how much capital you need.
You provide: an equipment quote or invoice, six months of business bank statements, a photo ID, a voided check and a list of any current advances or loans.
02
Talk to a specialist
A Falcon specialist reviews your file, confirms what qualifies as collateral and walks you through your options.
You get: a call about the amount, the term and the full cost, before anything is signed.
03
Approve and get funded
Once you are approved, review and sign your agreement. Equipment financing typically funds in about 2 days, and real estate loans in about 2 weeks.
You see: the amount, the term and the full cost, all spelled out on the agreement.
FAQ
Collateral and asset loan questions
Commercial real estate, equipment, vehicles and other business assets may qualify. Your specialist will confirm what fits your file.
For equipment purchases, yes. Equipment quote or invoice helps underwriting size the loan correctly.
Terms run 12 – 60 months. Final terms depend on the asset and your business profile.
Equipment financing is typically funded in about 2 days. Real estate loans take about 2 weeks.
Falcon charges a 0% agreement fee. Rates are competitive, and no specific rate is published on this page — your specialist shows you the full cost of the loan before you sign.
Equipment quote or invoice, six months of business bank statements, a government-issued photo ID, a voided check and a list of any open advances or loans.
When a collateral or asset loan isn't the right fit.
This product is tied to something you own. That is the point, and it is also the limit. Here are three situations where another Falcon product fits better.
If you have nothing you want to pledge
A line of credit comes in an unsecured option, so you are not putting equipment or property behind it.
Business Line of CreditIf the cost is small and comes round often
Small recurring costs are cheaper to draw and repay as you go than to tie to an asset. A line of credit is built for that rhythm.
Business Line of CreditIf the money you are owed is the real problem
When the cash exists but sits in unpaid invoices, factoring sells those invoices instead of borrowing against equipment.
Invoice Factoring ToolFrom the blog
