To grow a business, you need to generate income—and make smart decisions about how to reinvest it.
Sometimes that means buying new equipment. Other times it means hiring talent or doubling down on marketing. But one thing is almost always true: doing nothing is the most expensive choice you can make.
Not investing—especially when there’s real demand to meet—is one of the fastest ways to lose opportunities. And often, it stems from fear or uncertainty, not facts.
And here’s the truth: 68% of small business owners say that access to financing is the most important factor in growing their business (Lendio).
The good news? In the U.S., there are plenty of financing options designed to support entrepreneurs. Low interest rates. Flexible terms. Fast approvals. It’s all within reach.
So why wait? Finance your growth—and make your momentum count.
Why Finance With Us?
Protect Your Cash Flow
Get what you need now. Pay over time.
Quick Approvals
Apply online in minutes and get a fast response.
No Hidden Fees
What you see is what you get. Full transparency, always.
Low Interest Rates
Financing options starting as low as 0%.
Tax Benefits
Take advantage of Section 179 to write off your investment.
How it Works?
Request a Quote
Go ahead and request a personalized quote for your products—quick and easy, right from our website.
Choose a financing provider
Pick the financing partner that best fits your preferences, timeline, and payment terms.
Apply online
Fill out a short online application in under 5 minutes—with support available if needed.
Get approved
Get approved fast and complete your order with one of our friendly team members.
Choose your Financing Option
1. Hampton Ridge Financial
Best for businesses that want to spread payments over a longer period while inventory continues generating revenue.
- Financing available from: $3,000 to $150,000+
- Interest rates starting at: Fixed monthly payments based on credit profile and term length. You can preview estimated payments using their payment calculator.
- Term lengths from: 24 to 60 months
- Approval time: Same day or within 1 business day
- Application type: One-page online application with a soft credit check.
2. Credit Key
Best for businesses that expect to recover their investment quickly and want flexibility to pay it off.
- Financing available from: Up to $50,000 (higher limits may be available with additional documentation)
- Interest rates starting at: 0% for the first 30 days, then fees starting at 1% monthly
- Term lengths from: Net 30 up to 12 months
- Approval time: Same day or within 24 hours
- Application type: Quick digital application with no impact to your credit score
3. First Citizens Bank
Best for established businesses looking for traditional bank financing with competitive interest rates.
- Financing available from: $5,000 to $250,000
- Interest rates starting at: 10.49% (based on credit profile and terms)
- Term lengths from: 24 to 60 months
- Approval time: As fast as 1 hour, up to 24 hours
- Application type: Full application required
4. Seat Co’s Layaway Program
Best for businesses that want to lock in today’s prices without a credit check (ideal for planned purchases and price protection).
- Financing available from: $1,000+ on qualifying orders
- Interest rates starting at: 0% interest with no financing fees. You pay only the product price
- Term lengths from: Up to 3 months with flexible payment schedules
- Approval time: Instant approval with no waiting or paperwork
- Application type: No credit check required and no impact to your credit score. Products ship once the balance is paid in full
Frequently Asked Questions
Here are some of the most frequently asked questions about our financing programs.
Need help choosing the right financing?
Our team can guide you. Call us at (833) 871-6271 or use our Live Chat.
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