Credit decisions
within 24 hours
Why AILCO?
AILCO offers creative solutions, a commonsense approach to credit underwriting, competitive rates, and the ability to provide unique funding capability (used equipment, corporate only, private party sales, sale-leasebacks, and soft costs). Start-ups will be considered for good credits (675+ FICO, continuing outside income/good net worth per personal financial statement).
Responsive
Decisions typically made within 24 hours and same day if received before noon (CST) for application-only requests
Creative
Every application is reviewed by a person to assess risk and creatively work towards a positive outcome.
Accurate
Our strong team effectively manages the process from start to finish, funding in up to 48 hours assuming all needed information is received.

Industries
Manufacturing
Construction/
Heavy Equipment
Information & Office Technology
Food processing
Commercial Bank Partners
We are a non-competitive way to support your relationships while not having to re-underwrite the entire relationship for smaller loan requests.
Typically 24 hour decisions
Ability to refinance used equipment to create liquidity
Can finance equipment repairs and tooling
No all asset filing, simply a lien on the equipment we finance
Competitive rates, but minimal impact on cash flow given size of loans
No insurance required for transactions under $25,000
What Our Clients Says
We believe the best way to make a decision on financing is to consider what others say about their experience.