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BreadRoute Review
Northland Capital Financial Services
3.5Our Northland Capital Financial Services Review
Northland Capital Financial Services is a privately owned, direct equipment lender headquartered in Saint Cloud, Minnesota. Founded in 1996, the company has spent nearly three decades arranging equipment capital for small and mid-sized businesses across the United States. Financing runs from $10,000 to $5 million, with a minimum credit score of 650 and at least two years in business required. Beyond standard equipment finance, Northland Capital serves specialized verticals including agriculture, construction, transportation, and environmental businesses. The lender emphasizes customized payment structures, extended terms, and tax-advantaged solutions—features worth noting for businesses managing cash flow around a major equipment purchase. Vendor financing partnerships round out their model, making them a potential fit for equipment dealers as well as end borrowers.
Who Is Northland Capital Financial Services Best For?
Based on eligibility requirements and available products.
- Businesses with good (but not perfect) credit
- Businesses that need equipment or machinery financing
- Businesses seeking larger financing amounts
Financing Options
Eligibility Requirements
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Quick Overview
3.5Compare Alternatives
Other Nonbank Lender lenders
Northland Capital Financial Services Pros & Cons
Pros
- Lends nationwide
- High loan amounts available
Cons
- Requires 2 Years in business
Frequently Asked Questions
Northland Capital Financial Services offers financing in the range of $10,000 to $5 Million.
Northland Capital Financial Services typically requires a minimum credit score of 650. Businesses with scores above this threshold are more likely to qualify for favorable terms.
Northland Capital Financial Services offers the following financing products: Equipment Finance.
Northland Capital Financial Services requires a minimum of 2 Years in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Northland Capital Financial Services provides financing to businesses across the United States.
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