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You Have Questions, We Have Answers!

Copley Funding Makes Financing Easy For Businesses. Here Are Some Frequently Asked Questions and Answers. If Your Question Isn't Below Please Contact Us.

What Can I Finance?

Copley Funding finances virtually any type of business equipment across a wide array of industries.  Equipment for Construction, Health Care, Food Service/Hospitality, Automotive Repair, Transportation, Manufacturing, Fitness, and Software are included in the list. If you the equipment for your business, chances are good that we can finance it. We also offer financing for working capital cash loans for inventory, hiring, or getting by during a slow season. 


Our customers select the equipment from vendors that they chose, and we pay the invoice(s) for them. We don't sell any equipment directly and are not affiliated with any equipment vendor. 

What Terms Are Available?

Our equipment financing or equipment leasing offer fixed monthly payment terms up to 60 months. Our working capital programs offer flexible terms from as little as a few months to 3 years.

What Type of Equipment Leases and Loans Do You Offer?

We offer Equipment Finance Agreements (EFAs), Fair Market Value Leases, and $1 Buy-Out Leases for Equipment. We also offer working capital loans.

What Are Your Rates?

Our Rates are competitive with typical business bank loans. Rates may vary depending on criteria like business and personal credit, how long the applicant has been in business, and prevailing market interest rates.

Do You Work With New Businesses or Start-Ups? What About Bad Credit?

Copley Funding welcomes applications from new businesses and start-ups. Larger transaction sizes over $50,000 are more challenging to approve for newer businesses. Copley Funding does not fund long-haul owner-operator truckers with less than 2 years verifiable time in business.

What is the Size of Transaction You Will Work With?

Copley now funds transactions between $5,000 and $1,500,000.

What Documents Will I Need? Tax Returns? Bank Statements?

For transactions under $150,000 we generally only require our application filled out, which can be done here. Higher dollar applicants may need to provide tax returns, bank statements, and other financial statements. Copley may require other info from applicants such as proof of business existence or photo IDs. 

What Information Do You Use to Approve the Application?

All the info we need is listed on the credit application and includes time company has been in business, legal business name, personal ownership info, and contact info. We will typically use time in business, business and personal credit scores, and third-party verifications to determine commercial finance approvability.

How Long Will This Process Take?

Not long! Our typical application decision takes about 4 hours. Compared to most banks, that is incredibly fast. Once approved, we have most transactions funded in a few days. Sometimes quicker if the equipment is ready to go.

Will You Finance 100% of the Equipment Cost?

Copley Funding typically approves 100% of the financed equipment costs. "Soft costs" such as shipping, installation, trainings, and sales taxes are normally eligible to be included.

Is This Financing Eligible for I.R.S. Section 179 Write-Offs? What Are Those?

Our equipment financing is eligible for Section 179 deductions which allow profitable businesses to write-off the full cost of financed equipment up to certain limits.  Please ask your accountant for more information.

Do You Work With Small Businesses?

Copley Funding works with businesses big and small. Our goal is to help any business grow by accessing the money they need.

How Do I Get Started?

You can start by filling out the application here.

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