Equipment Finance & Capital Advisory

Capital that moves
as fast as
your business

We help construction and heavy equipment companies secure fast, flexible financing — even when banks say no. Decisions in 24 hours. No runaround. No cost to apply.

Apply Now — It's Free Call (714) 388-2672

⚡24-Hour Decisions

✓550+ Credit OK

🌐Se Habla Español

$No Cost to Apply

24h

Credit Decisions

550+

Credit Scores

$25k

Min. Deal Size

100%

Sec. 179 Eligible

The Process

Three steps to funded

We cut through the red tape so you can focus on running your business — not chasing paperwork.

Tell Us What You Need

Fill out our quick form or call us directly. Share the equipment you need and basic business info. No lengthy applications — a 5-minute conversation is all it takes.

We Match You to the Right Lender

We shop your deal across our lender network and match you to the best fit based on your credit profile, industry, and equipment type. More options means better rates.

Get Approved & Funded Fast

Credit decisions in 24 hours or less. Same-day funding available on approved deals. Get your equipment on the job site — not waiting on a bank.

Who We Serve

Built for the industries
that build everything else

🏗️

Construction & Heavy Equipment

Excavators, cranes, telehandlers, bulldozers, graders, skid steers — fast approvals for contractors of all sizes.

🚛

Transportation & Trucking

Semi trucks, trailers, box trucks, fleet vehicles — flexible terms designed around your cash flow.

⚙️

Manufacturing & Industrial

CNC machines, forklifts, production equipment — finance the tools that drive output without draining capital.

🌱

Agriculture & Specialty

Tractors, harvesters, irrigation — seasonal businesses welcome. Deals structured around your revenue cycles.

Why Reyes Capital Partners

We work for you,
not the bank

Independent brokers have one job — find you the best financing available. Not tied to one lender, one rate, or one answer.

⚡

Fast Approvals

Decisions in 24 hours or less. Same-day funding on approved deals. No waiting weeks for a maybe.

🏦

Banks Said No? We Can Help

We approve from 550+ credit, startups, and imperfect histories. More lenders means more yes's.

💰

Preserve Working Capital

Finance the equipment, keep cash in the business for payroll, materials, and growth.

🤝

Direct Access — No Call Centers

You work directly with Oscar Reyes from application to funding. One contact, real answers.

🌐

Bilingual Service

Servicio disponible en español. Serving English and Spanish speaking owners nationwide.

📊

Multiple Lender Network

We shop your deal across our full network — not just the first approval we can find.

Tax Strategy

The Section 179 advantage

Most contractors don't know about this. The ones who do use it every year to put equipment on the job site and keep cash in their pocket.

Finance equipment.
Deduct 100% this year.

Section 179 lets you deduct the full purchase price of qualifying equipment in the year it's placed in service — even if you financed it. You don't need to pay cash to get the full deduction.

2026 deduction limit: $2,560,000

Equipment financed	$100,000
Section 179 deduction	$100,000
Tax savings (35% bracket)	$35,000
Annual loan payments (60mo)	~$24,000
Net first-year benefit	+$11,000

* Consult your CPA. General illustration only.

What qualifies?

New and used heavy equipment
Construction machinery
Trucks and work vehicles
Manufacturing equipment
Agriculture equipment
Equipment placed in service this tax year

Loan vs. Lease — which is right for you?

Equipment Loan

You own from day one. Full Section 179 deduction. Best for long-term use.

Equipment Lease

Lower payments. Upgrade option at end. Best for tech-heavy equipment.

Common Questions

Everything you want to know

Straight answers from contractors and business owners we hear every day.

What credit score do I need to qualify?+

We work with lenders approving scores from 550+. Higher scores get better rates, but we have programs for challenged credit, recent bankruptcies, and startups. Best way to know is to apply — no cost, no obligation.

How long does approval take?+

Most decisions come back within 24 hours. Deals under $25,000 can get approved within a few hours. Once approved and docs are signed, funding is typically same day or next business day.

What documents do I need to apply?+

For most deals under $75,000 we only need a completed application and equipment invoice — no financials required. Larger deals may require bank statements or tax returns. We keep it simple.

Can I finance used equipment?+

Yes — we finance new and used. Used equipment is common in construction and our lenders are comfortable with it. Age and condition may affect terms but rarely disqualifies a deal.

Is my business too new to qualify?+

Not necessarily. We have lenders for startups and businesses under 2 years old. May require a down payment or personal guarantee, but options exist. We'll be honest about what to expect.

What are the minimum and maximum amounts?+

Minimum is $5,000. We can finance $500,000+ depending on profile and lender. Most construction deals range from $25,000 to $250,000.

Does it cost anything to apply?+

No — applying is completely free. We only get paid when your deal funds. Our fee is built into the financing so there are no out-of-pocket costs to you for our services.

Principal &
Founder

About

Oscar Reyes

Principal, Reyes Capital Partners

B2B sales professional with 5+ years closing commercial contracts across multiple industries. Based in Ventura, California, Oscar founded Reyes Capital Partners to bring fast, flexible equipment financing to contractors and business owners who deserve better than what traditional banks offer.

Bilingual in English and Spanish, Oscar works directly with each client from application to funded deal — no middlemen, no runaround, no surprises.

Based in Ventura, California — Serving Nationwide

Bilingual — English & Spanish

Specializing in Construction & Heavy Equipment

You always talk directly to Oscar

Capital that movesas fast asyour business