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Discover the collateral-first lending philosophy. NLCG explains why specializing in Equipment Financing allows us to focus on the asset's value and future revenue potential, bypassing the strict credit requirements of traditional banks.
Stop waiting for a bank to validate your ambition. If your business needs critical equipment but is hung up on a limited credit history, you've already hit the commercial roadblock of traditional lending. Banks are programmed for low-risk, established profiles—a box you may not fit into right now. NLCG is different. We don't just see a credit score; we see the asset, the cash flow, and the future job.
The Bank Stance (The Problem): Banks focus on personal and business credit history first, treating the equipment as secondary.
The NLCG Approach (The Solution): We prioritize the collateral itself. If the Skid Steer or excavator is high-value and essential to your operation, it increases your approval odds.
Credit Score Gate: Rigid minimum score requirements are non-negotiable, immediately excluding new or rebuilding businesses.
The Full Picture: NLCG Financial Specialists look at your invoice history, work pipeline, and cash flow. We use a holistic risk assessment, not just a three-digit number.
Process Drag: Lengthy paperwork and committees mean waiting weeks, often losing the deal on the equipment.
Speed and Certainty: Our dedicated process is built for speed. Internal NLCG Analysis shows that rapid decision-making often allows our clients to secure better deals.
Don't let a thin file stall your growth. Partner with a lender who specializes in your asset, not just your past. Before you apply, review what the government suggests for long-term financial health: Establish business credit | U.S. Small Business Administration.
