Sage Creek Capital, LLC
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Sage Creek Capital, LLC
  • Home
  • EQUIPMENT FINANCING
  • About
  • Contact
  • Startup Financing
  • Apply Now

Equipment Financing Built Around Your Business

White tanker truck parked outdoors under clear sky.

 Sage Creek provides equipment financing for businesses looking to acquire the assets they need to grow. We take a practical approach to underwriting — evaluating the business, borrower, equipment and overall transaction. 


 From established businesses expanding their fleet to qualified startups making their first equipment purchase, our team brings experienced underwriting and responsive decisions to every transaction. 

How We Evaluate a Transaction

More Than a Credit Score

 Every financing request is evaluated on its individual merits. Rather than looking at a single metric in isolation, Sage Creek considers the complete transaction — including the business, borrower, equipment and intended use. 

THE BUSINESS

THE BUSINESS

THE BUSINESS

 

Operating history, financial capacity, cash flow and the strength of the underlying business.

THE BORROWER

THE BUSINESS

THE BUSINESS

 Credit history, liquidity, experience and overall financial profile. 

THE EQUIPMENT

THE TRANSACTION

THE TRANSACTION

 Asset type, purchase price, useful life, collateral value and how the equipment will be used. 

THE TRANSACTION

THE TRANSACTION

THE TRANSACTION

 Vendor, purchase price, requested structure, intended use and how the equipment supports the business. 

Financing for the Way Businesses Grow

NEW EQUIPMENT

 Finance new equipment purchases while preserving working capital for other business needs. 

USED EQUIPMENT

 Financing may be available for qualifying used equipment based on asset type, age, condition and the overall transaction. 

BUSINESS EXPANSION

 Add equipment, increase capacity or expand your fleet as your business grows. 

STARTUP FINANCING

 Qualified startups may be considered based on borrower strength, liquidity, experience, equipment and the overall business opportunity. 

Preserve Capital. Invest in Growth.

PRESERVE WORKING CAPITAL

MAINTAIN FINANCIAL FLEXIBILITY

MATCH PAYMENTS TO THE ASSET

 

Avoid tying up significant cash in an equipment purchase and keep liquidity available for payroll, inventory, marketing and other business needs.

MATCH PAYMENTS TO THE ASSET

MAINTAIN FINANCIAL FLEXIBILITY

MATCH PAYMENTS TO THE ASSET

 Spread the cost of equipment over time while putting the asset to work generating revenue for your business. 

MAINTAIN FINANCIAL FLEXIBILITY

MAINTAIN FINANCIAL FLEXIBILITY

MAINTAIN FINANCIAL FLEXIBILITY

 

Preserve cash and existing credit capacity for other investments, operating needs and opportunities as your business grows.

What Is an Equipment Finance Agreement?

An Equipment Finance Agreement (EFA) is a financing structure designed specifically for the purchase of business equipment. You own the equipment, while the lender maintains a security interest in the financed asset until the agreement is satisfied.


An EFA establishes a fixed payment obligation over an agreed term, providing businesses with a straightforward and predictable way to finance equipment.  


  • EQUIPMENT OWNERSHIP
    You own the financed equipment, subject to the lender's security interest. 
  • PREDICTABLE PAYMENTS
    Payments are established at the beginning of the agreement, providing a clear payment schedule over the financing term.
  • PURPOSE-BUILT FOR EQUIPMENT
    The financing is structured around the acquisition of specific business equipment.

A Straightforward Path to Funding

1. APPLY

Tell us about your business, the equipment you're purchasing and your financing needs. 

2. REVIEW

Our team evaluates the business, borrower, equipment and overall transaction.

3. APPROVE

Once approved, we'll provide the financing terms and any remaining requirements for your transaction. 

4. DOCUMENT

Review and electronically sign your financing documents. 

5. FUND

Once documentation and funding requirements are complete, Sage Creek coordinates payment with the equipment vendor. 

APPLY FOR FINANCING

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