Lenders typically want to see your business bank statements from the last 3–6 months. Some may ask for your driver’s license, voided check, or proof of business ownership. If you're applying for equipment financing, they'll also want an invoice or quote. We try to keep it simple—no tax returns or business plans required in most cases.

In most cases, yes—especially for unsecured funding like a working capital advance or line of credit. A personal guarantee basically means you're promising to repay the loan if the business can’t.

That said, some equipment financing options may not require one, depending on your credit and time in business.

Not always. Most short-term working capital products are unsecured, meaning you don’t need to pledge collateral.

However, if you’re applying for larger loans, lines of credit, or SBA loans, collateral might be part of the deal. We can walk you through your options either way.

Section 179 lets you write off the full cost of qualifying equipment in the year you buy it—up to a certain limit.

Bonus depreciation also allows a full write-off, but it kicks in after you hit your Section 179 cap.

Both are valuable tools to lower your tax bill when you invest in equipment.

We work with businesses in construction, trucking, manufacturing, trades, automation, logistics, and more.

If you use equipment or materials to do your job, there's a good chance we can help you get funded.

No. Many of the programs we work with are based on cash flow, not profits on paper.

As long as you’re bringing in consistent monthly revenue, there may be funding options available—even if your business is new or operating at a loss.

Yes, in many cases. If you’re dealing with IRS liens or have multiple daily payments draining your cash flow, we may be able to help you refinance or consolidate.

It depends on how much you owe and how your revenue looks, but it’s worth exploring.

That depends on the type of product, term length, and how strong your file is (credit, revenue, time in business).

Some funding is priced as a flat fee (like a merchant cash advance), while others have interest rates.

We walk you through the total cost, not just the rate, so you know what you're signing up for.

If you’ve got multiple advances, high daily payments, or your business has grown since you first got funding, refinancing could save you money and free up cash flow.

It’s also worth checking if you qualify for longer terms or a lower rate now.

A loan gives you a lump sum up front, with fixed payments.

A line of credit lets you draw funds as needed, kind of like a business credit card—but with better rates and higher limits.

You only pay interest on what you use, and it can be a flexible tool for managing cash flow.

Banks usually offer lower rates, but they’re much slower and stricter with approvals.

Private lenders (like us) can fund you faster, with fewer documents, and often approve businesses that banks won’t touch.

It depends on how quickly you need the funds and what your profile looks like.

I fund many of my own deals through Golden Sun Funding, which gives me more control over approvals and terms and allows me to walk you through the process.

Either way, I only move forward if I believe it’s a smart fit for your business.

Nope. We don’t need to see a formal business plan to get you funded.

What matters most is your revenue, bank activity, and how long you’ve been operating.

Save the pitch decks—we’re looking at the real-world numbers.

Bank statements show your cash flow, which is the #1 thing most lenders care about.

They help us understand your average daily balance, revenue trends, and whether you can afford the payments.

Think of it like your business’s heartbeat—we’re checking how steady it is.

Equipment financing lets you get the tools you need now, without draining your cash flow.

Instead of paying $50K upfront for a machine, you make smaller monthly payments and keep your capital free for payroll, materials, or marketing.

It’s a great way to scale without slowing down.