PROFITTHEORY

Tailored financing plan

Build your financing plan in two minutes

Choose your industry and what you're working on. You'll get a draft plan right away — then your financing specialist helps you turn it into a lender-ready package.
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Tell us about your business

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For a startup, enter projected year-one cash flow.

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We'll replace this with real lender terms.

Your draft plan · Construction & trades

Buy equipment or vehicles: $250,000

Est. payment (5 yrs)

$5,250.47/mo

Debt coverage

2.53x

Max loan at 1.25x

$603,121

Match the term to the equipment's useful life — don't still be paying after it's replaced.

Estimates only. Results vary. No guarantee of approval, rates or savings.

Talk with a financing specialist

Structures to explore

  • Equipment loan
  • Equipment lease
  • SBA 7(a) for larger packages

Typical term range: 3–7 years.

What lenders will look at in construction & trades

  • Backlog and work-in-progress schedule
  • Customer concentration
  • Equipment collateral values

Your lender-ready package

Your financing specialist helps you build and tailor each piece for the lenders that fit your deal.

  • Cash-flow workbook: historical cash flow, add-backs and debt service coverage
  • Sources & uses of funds
  • Business plan or deal summary tailored to the lender
  • Projections with clear assumptions
  • Document checklist: tax returns, financial statements, debt schedule, personal financial statement

Turn this draft into a real plan with your financing specialist

Your specialist will review your numbers, answer your questions and walk you through the process with the lender when there's a fit.

Talk with a financing specialist

Draft for planning only — not an offer, quote or approval. Lenders make all credit decisions.

We may earn a referral fee or commission if you work with a provider we introduce. How we get paid