Our Mission

Excavator and dump truck at construction site during sunrise — heavy equipment financing and leasing by Forge Capital & Leasing

At Forge Capital & Leasing, we help small and mid-sized businesses access fast, flexible, and transparent equipment financing and leasing solutions.
We believe that every hardworking business owner deserves a partner who listens, understands their needs, and finds real solutions — even when traditional lenders say no.

Who We Serve

We work with established businesses and startups across the United States seeking financing for essential equipment in industries such as:

  • Construction & Contracting – excavators, skid steers, trenchers, compressors

  • Transportation & Trucking – box trucks, semis, trailers, transit vans

  • Manufacturing & Fabrication – CNC machines, shop tools, production systems

  • Landscaping & Agriculture – tractors, mowers, and service vehicles

  • Healthcare & Commercial Services – medical and office equipment

Our programs support funding requests from $10,000 up to $500,000 (and in select cases up to $1 million through partner programs).

What We Offer

We are an independent commercial finance broker, meaning we work for you — not the bank.
Our role is to match your business with the right funding partner from our trusted lender network.

Our Financing & Leasing Options Include:

  • $1 Buyout Leases – own your equipment at the end of term

  • Fair Market Value (FMV) Leases – lower monthly payments with flexible end-of-term buyout

  • Equipment Finance Agreements (EFA) – straightforward ownership financing

  • Startup & New Business Programs – for companies under 2 years old with industry experience

  • App-Only Programs – up to $125,000 with minimal documentation

  • Full Financial Packages – for larger or complex deals with favorable terms

Example Terms & Structures

(As reflected in our 2025 vendor pricing matrix)

Typical Deal Range: $25,000 – $150,000
Terms: 36–60 months
Documentation Fee: $500 (varies by program)
Security Deposit: 10–30% depending on credit tier
Minimum FICO: 580+
Time in Business: 2+ years preferred (startup programs available)

We offer both FMV (Fair Market Value) and $1 Buyout Structures, with flexible monthly payments that allow your equipment to pay for itself as you grow.

Why Choose Forge Capital & Leasing

Fast Approvals: Application-only up to $125K, full financials for higher tiers

  • Flexible Options: Multiple term structures, lease types, and deposits

  • Trusted Lender Network: Backed by national partners like GFLS

  • Industry Expertise: We understand equipment, credit, and business growth

  • Transparent Process: No hidden fees, clear communication every step of the way

When other lenders say no — we often say yes.

  • We work with a wide range of business and industrial equipment including construction machinery, transport trucks and trailers, manufacturing tools, landscaping and agricultural equipment, and office or medical equipment.
    If your equipment is essential to business operations, there’s a good chance we can help finance it — whether it’s new or used.

  • Not at all. We partner with multiple funding sources that consider more than just your credit score.
    While a FICO score of 580 or higher helps, we also review business cash flow, time in business, and collateral strength.
    Even if traditional banks have said no, our flexible underwriting and multiple credit tiers often allow us to say yes — especially for established operators and startups with industry experience.

  • A lease allows you to use equipment for a set term with lower monthly payments and options to purchase, renew, or return at the end — such as a $1 Buyout Lease or Fair Market Value (FMV) Lease.
    A finance agreement (EFA) works more like a loan, where you gain full ownership after making all scheduled payments.
    We’ll help you choose the option that best fits your cash flow, tax strategy, and long-term goals.

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