What kind of Loan
can I get?


Through our family of specialty finance companies, we provide small business loans to a variety of industries for equipment purchases, inventory needs and general working capital. With no application fees and funding as soon as next day, our affiliates can provide your small business with the funding it needs.


The equipment finance loan program is open to most industries for essential use equipment for their small business. Essential use equipment is classified as any tangible item that is necessary for the operations of the business. The loan collateral should be consistent with the borrower’s industry. Loans are secured with the underlying collateral that the borrower is obtaining the loan for. It’s very similar to the common concept of obtaining a car loan. The collateral for the car loan would be the car.

Loans are available for new and used equipment. UCC searches and fillings are done on all equipment loans. Interest rates are fixed for the term of the loan and terms are fully amortizing with ranges anywhere from 12 to 60 months. Terms for used equipment are dependent on the useful life of the equipment. Rates are risk-adjusted and depend on the profile of the borrower, but there is a minimum of two years time in business to apply. Simple and easy site inspections are required for all equipment finance loans over $25,000. There may be some potential tax benefits associated with your loan. See your tax professional for advice on tax benefits.

The inventory finance loan program is designed for small businesses that would like to purchase product for sale or inventory intended for rental purposes. This program helps you preserve working capital needed for day-to-day operations and allows for you to purchase quality product for your rental or rent to own purposes.

Due to the variety of industries that may use this type of financing, programs can be tailored to meet the specific needs of your business. Inventory loan terms range from 12 to 36 months and can provide up to 100% financing for inventory invoices.

The working capital program is designed for small businesses that would like to use the funding for anything outside of a specific piece of equipment that they would like to finance. Working capital can used for purchasing inventory, business expansion, hiring employees, marketing costs and more. It is important, however, that the capital be used for a business essential use and should make sense for the type of business that you are operating. Terms range from 12 to 36 months and are fully amortizing loans.

Rates are fixed for the term of the loan and monthly ACH’s are required for all terms and loans. Site inspections are performed when documents have been executed. Loan sizes range from $50,000 to $100,000 and are dependent on the borrowers time in business. Guarantors are required to sign for the loan. Any owner with 50% or more would have to personally guarantee the loan.

Working capital loans can be added to equipment finance loans for soft costs as well. Inquire to see how much add-on working capital that you can get with your equipment finance loan. No advanced payments are required. Blanket UCCs are filed and business insurance is required for these loans.

Mainspring Funding

10877 Wilshire Blvd.
12th Floor

Los Angeles, CA 90024
Phone: 424-488-1912