Last updated: July 2026 · Partner statistics published by REIL Capital
Four ways to turn assets into working capital
| Option | Best for | How it works | Speed |
|---|---|---|---|
| Equipment financing | Buying machines, trucks, medical or shop equipment | The equipment collateralizes its own purchase | Decisions in 24 hrs; funded in days |
| Bridge financing | Timing gaps — deposits, closings, project starts | Short-term capital repaid when expected funds land | As fast as 1–3 days |
| Invoice & AR financing | B2B businesses waiting on net-30/60/90 | Advance against receivables you've already earned | Days |
| Asset-based lending | Larger credit lines backed by combined assets | Inventory, receivables, and equipment set your limit | Days–weeks by size |
Why asset-backed funding is different
When financing is secured by something real — a truck, a receivable, inventory — the lender's risk drops and the credit conversation changes. That's why asset-backed products approve businesses that banks decline, price better than unsecured fast funding, and scale with what you own rather than what your credit file says. Through REIL Capital, qualification paths start around a 500+ FICO with roughly $250K in annual revenue, and checking your options involves no hard credit pull.
Have a specific purchase in mind? Get it priced →
How it works — 3 steps
- Tell us what you're financing — the equipment, the gap, or the receivables. 2 minutes, no credit impact.
- A specialist structures it — a REIL Capital advisor matches the asset to the right product and shows transparent, side-by-side terms.
- Fund and get to work — decisions within 24 hours; funding often lands in 1–3 days.
Frequently asked questions
How does equipment financing work?
The equipment you're buying serves as collateral for its own financing, so approval leans on the asset's value plus your revenue rather than just credit. Through our funding partner REIL Capital, decisions come within 24 hours and the equipment can be earning revenue within days.
What is bridge financing for a business?
Bridge financing is short-term capital that covers a timing gap — a project deposit due before a draw arrives, a purchase closing before long-term financing funds. It's designed to be repaid or refinanced quickly once the expected money lands.
Can I finance equipment with less-than-perfect credit?
Often yes — the asset secures the deal, which relaxes the credit bar. REIL Capital's qualification paths start around 500+ FICO with about $250K annual revenue, and checking options involves no hard credit pull.
Is Your Capital Sources a lender?
No. Your Capital Sources is an independent information and referral service operated by vCIO, LLC. Funding is provided by REIL Capital and/or its lending partners, and we may be compensated for referrals at no cost to you.
Put your assets to work
2-minute application · No hard credit pull · Decisions within 24 hours
See your funding optionsIndependent referral service, not a lender · How we're paid