Since 1989 · National Equipment Finance Lender
Financial Disclosure. Great Rates.
Equipment financing above $250,000 moves from Crest Capital’s application-only track to full financial disclosure. You send a complete financial package, and in return you get access to the structured terms this track is built for: deferred payments, longer amortizations, seasonal schedules, and custom structures built around your accounting department’s requirements. Once the package is in place, an answer typically comes within a business day.
About 2 minutesNo personal-credit inquiryInstant answer
- Structured Terms · Built Around You
- Used Equipment · OK
- Answer · Typically Within a Business Day
Financing Over $250,000: What You Need to Know
Larger transactions trade a simple application for a complete financial picture, and open up the payment terms this track is built to structure.
Crest Capital provides businesses with straightforward, large-scale equipment financing and leasing that meets your needs and specific payment preferences. If you need a large equipment loan or lease above $250,000, or you are looking for better-than-standard payment terms, this is the track that gets you there. Since 1989 Crest Capital has financed equipment for businesses in all 50 states, and a Crest Capital representative can work with you to compile the package.
- Large Leases and Loans
- Deferred Payment Terms
- Longer Amortizations
- Seasonal Payments
- Custom Structures
- Used Equipment = OK
- Section 179 Friendly
- Answer Typically Within a Business Day
Wait... Do you sell equipment? Give your customers payment options. Explore Vendor Programs
What Is Financing Over $250,000?
Crest Capital handles transactions above $250,000 as a separate track, sometimes called mid-ticket financing. It covers larger dollar amounts and deals that need specific, or even custom, payment terms. The trade is straightforward: you provide a full financial package instead of a one-page application, and Crest Capital can deliver the funds you need quickly at terms that satisfy your accounting department.
Financing over $250,000 at Crest Capital, in plain terms:
- Crest Capital’s standard program runs $10,000 to $500,000, and larger transactions are considered case by case on this track.
- Transactions at or below $250,000 typically need only the one-page application, with no tax returns or financial statements.
- Above $250,000, a complete financial package is required. The checklist is below and downloadable as a PDF.
- Once the package is in place, an answer typically comes within a business day.
- Deferred payments, longer amortizations, seasonal schedules, and custom structures are available on this track.
- New and used equipment both qualify, and you choose your own seller.
How Financing Over $250,000 Works
The process is the same shape as any Crest Capital transaction, with one added step: the financial package. Crest Capital will work with you to compile it if that is easier than assembling it yourself.
Find Your Equipment
Choose the equipment, software, or vehicles you need, from the sellers of your choice. Crest Capital does not restrict you to a dealer network.
Apply Online
Complete the online application from your home or office. This starts the file and tells Crest Capital what you are financing.
Send the Financial Package
Alongside public records such as Dun and Bradstreet, Crest Capital reviews the documents listed in the checklist below. A representative can help you compile them.
Get Your Answer and Terms
Once the package is in place, an answer typically comes within a business day, along with the payment structure built to your requirements.
Sign and Fund
Crest Capital sends the finance agreement for signature. You sign and return it, and the funds go to your seller.
What Documents Does Financing Over $250,000 Require?
Seven items make up the standard financial package. A Crest Capital representative can help you compile them if that is easier.
- Write-up giving an overview of the organization (2 pages maximum, plus brochures and resumes).
- Write-up covering the purpose of the equipment and the financial justification for acquiring it.
- Last 2 year-end financial statements and the current interim financial statement.
- Last 2 years of tax returns, unless the financial statements are audited or reviewed.
- Last 2 years of tax returns on all entities and principals owning 20 percent or more.
- Current financial statement on all entities or principals owning 20 percent or more.
- List of current loans and leases, including lender name, account number, and phone number.
You can download the financial disclosure checklist as a PDF to share with your accountant or bookkeeper.
Ben Taylor | AssureSouth, Inc.The Process is very easy! The folks were helpful in helping me find the right solution for my business.
Over $250,000, or At or Below? Which Track Applies to You
The $250,000 mark is a documentation threshold, not a pricing tier. It decides what paperwork you send, not whether Crest Capital can help.
At or Below $250,000
The application-only track: one page, no tax returns, no financial statements, same-day credit decisions in most cases.
Above $250,000
This page. A full financial package in exchange for the structured terms this track is built to arrange.
Whether you choose a lease or a loan, Crest Capital is the right lender. If you are not sure which track your transaction falls into, apply and Crest Capital will tell you.
Take the Next Step
Larger transactions do not have to be slower ones. Send the package, and Crest Capital will work to deliver the funds you need at terms that make your balance sheet look right.
Apply now with the online application and get your answer.
Common FAQs About Financing Over $250,000
$250,000 is a documentation threshold. At or below it, most transactions need only the one-page application, with no tax returns or financial statements. Above it, Crest Capital reviews a full financial package, and structured payment terms become available in return.
Seven items: an organization overview, a written justification for the equipment, the last 2 year-end financial statements plus a current interim statement, the last 2 years of tax returns, the last 2 years of tax returns on all entities and principals owning 20 percent or more, a current financial statement on those same entities and principals, and a list of current loans and leases. A downloadable PDF checklist is on this page.
Once the financial package is in place, an answer typically comes within a business day. If assembling the package is the slow part, a Crest Capital representative can work with you to compile it.
Deferred payment terms, longer amortizations, seasonal payments, and custom structures. Arranging these is the main reason a larger transaction goes through the full-disclosure track.
Crest Capital’s standard program runs $10,000 to $500,000, and that range covers most transactions. Larger deals are reviewed individually on this track rather than ruled out by a fixed cap. If your transaction sits above the standard range, apply and Crest Capital will tell you where it lands.
Yes. You find the equipment, software, or vehicles you need from the sellers of your choice. New and used equipment both qualify, and Crest Capital does not restrict you to a dealer network.
CHOOSE HOW TO MOVE FORWARD
Get Your Numbers, or Start Your Application.
Get an Instant Quote
Payment CalculatorEnter your amount and get your monthly payment options. Free, and no obligation.
Open the Instant Quote Calculator →Start Your Application
One Simple ApplicationOne application starts every transaction. The full application uses a soft credit pull, which never places an inquiry on your credit report.
Begin the Online Application →