Avtech Capital
For capital-intensive businesses, timing can mean everything. Whether you're replacing a critical piece of machinery or scaling to meet a new contract, delays in equipment financing can stall operations, disrupt cash flow, and jeopardize growth.
At Avtech Capital, we’ve seen this scenario play out far too often: the opportunity is there, but the capital isn’t. The question we hear from finance leaders again and again is:
"How fast can we actually get equipment financed?"
Let’s break down the real timeline, and more importantly, what you can do to accelerate it.
The Real Timeline: Bank vs. Private Capital
For traditional banks, getting equipment financing can take anywhere from weeks to months. Extensive financial disclosures, underwriting hurdles, and restrictive covenants often slow things down.
By contrast, private capital lenders with in-house underwriting can complete deals in as little as 2 to 10 business days, depending on deal complexity.
Lender Type | Typical Approval Time | Funding Speed |
|---|---|---|
Traditional Banks | 4-12 weeks | Slow (multi-layered) |
Vendor Financing | 2-4 weeks | Medium (limited flexibility) |
Avtech Capital | 2-10 business days | Fast, flexible |
What Speeds Up the Process?
Fast financing doesn’t just happen by luck. Here’s how to move quickly:
1. Pre-qualify Early
If you're actively shopping for equipment, pre-qualification ensures you're ready to move when the right opportunity comes. At Avtech Capital, we offer fast pre-approvals so you can negotiate with confidence.
Pro tip: Pre-qualification also protects against rising interest rates and supply chain delays by locking in terms early.
2. Have Core Docs Ready
The faster we receive your financials, the faster we can underwrite. Be ready with:
2–3 years of financial statements
Recent interim statements
Equipment quotes or invoices
Company overview or executive summary
The most common delay we see is incomplete or outdated documentation.
3. Work with a Direct Lender
Brokers and third-party platforms add friction. Avtech handles everything from credit review to vendor coordination in-house, eliminating unnecessary layers and delays.
4. Use a Flexible Financing Structure
If you're waiting for CapEx approval, traditional loans might tie your hands. Leasing structures, especially operating leases or sale-leasebacks, can move faster and avoid complex board-level approvals.
Why Speed Matters More Than Ever
In an environment of:
Rising interest rates
Vendor inventory shortages
Contract-driven growth timelines
…financing agility is a competitive advantage.
When equipment financing is fast, companies can:
Seize limited-inventory opportunities
Lock in pricing before vendor terms change
Meet contractual delivery obligations
Launch or scale operations on schedule
Conclusion: Don’t Let Capital Be the Bottleneck
At Avtech Capital, we understand that timing is everything. That’s why we’ve built a financing process designed for speed, simplicity, and flexibility.
Need fast, tailored equipment financing?
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