Empowering Your Business Growth with Flexible Equipment Financing Solutions

Credit decisions within 24 hours

Why Choose AILCO

If you’re looking for equipment financing, AILCO can provide you with creative solutions and a sensible credit assessment process. We offer competitive rates and our funding capabilities are extensive – we can fund used equipment purchases, corporate-related debt, private party sales, sale-leasebacks, and cover soft costs too. Even if you’re new to the market (a startup, let’s say) and have a good credit score (a FICO score of 675 or higher), we can look at your case, as long as you provide us with a detailed personal financial statement. 

At AILCO, we offer common sense lending solutions that are specifically designed to meet the unique needs of small businesses and mid-market regional companies in the manufacturing, construction, Information & Office Technology, food processing, healthcare, medical, and restaurants industries. 

Whether you need to update your technology, invest in new equipment, or expand your operations, our financing options give you the flexibility and affordability you need to succeed. Our lending options are easy to understand, transparent, and always in tune with your needs. We don’t believe in one size fits all approach. 

Our team of experts has a deep understanding of your industry and what it takes to thrive in it. From start to finish, we work with you to create a customized financing plan that fits your budget and helps you reach your goals. So leave the stress behind and get back to doing what you love – running your business and making your customers smile.

Our Commitment

Quick Turnaround Time

We strive to make decisions quickly – typically within 24 hours.

Human Approach

Every application we receive is carefully evaluated by a specialist to assess risk and ensure we offer the best financial solutions for your business needs.


Attention to detail and accuracy is essential for processing applications effectively. We make sure that every application we receive goes through a careful evaluation process, ensuring all relevant information has been taken into account. We take the time to look at all the specifics of each individual case in order to guarantee that all our customers get the best possible result.

two people shaking hands in front of a red letter

Our Process is Simple & Easy

Step 1

Apply Online.

Step 2

Application is reviewed by one of our specialists to assess risk and creatively work towards a favorable outcome.

Step 3

We make decisions within 24 hours for all applications, and same-day decisions can be expected for application-only requests that are received before noon (CST).

Step 4

Upon approval, funding will be disbursed within 48 hours.

Working with AILCO is an easy and streamlined process. Our team is committed to guiding you every step of the way, from the initial application to funding disbursement, ensuring a seamless and stress-free financing experience.


We are industry-neutral! Meaning we strive to provide the same high-quality service and fair process regardless of the industry we are serving. Here are a few of the main industries we serve.


Heavy Equipment

Information & Office Technology

Food processing

Commercial Bank Partners

We provide a stress-free way to support your relationships without having to renegotiate the entire relationship for each small loan request.

Typically, decisions are made within 24 hours.

You can refinance any used equipment to obtain liquidity.

Equipment repairs and tooling can also be financed.

No filing for all assets, just a lien on the equipment we finance.

Our rates are competitive while providing minimal impact on cash flow due to the size of these loans.

Plus, you don't need insurance for transactions under $25,000.

Client Success Stories

We strongly believe that the most effective way to make an informed decision about financing is by taking into account what others have experienced. Here is what our satisfied clients have to say about us.

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