AILCO Equipment Financing

AILCO Equipment Financing is a direct nonbank lender founded in 1997 that focuses exclusively on equipment financing for small businesses and mid-market companies across the United States. It offers financing from $10,000 to $500,000 with a minimum 650 FICO score and at least six months in business — and appears willing to work with startups that bring outside income and a solid personal net worth. Beyond standard equipment purchases, AILCO handles used equipment, private party sales, sale-leasebacks, and soft costs, which gives it more flexibility than many single-product lenders. It covers a broad range of industries including construction, manufacturing, healthcare, food processing, and restaurant. The lender advertises most credit decisions within 24 hours. Specific rates and fee structures are not publicly disclosed, so prospective borrowers should request a direct quote to compare total cost of capital before committing.