Credit decisions
within 24 hours

Since 1997, AILCO has been providing financing solutions and support to small businesses and mid-market regional companies. We also customize financing and loan programs to assist vendors in growing revenues and expanding into new markets.


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).


Decisions typically made within 24 hours and same day if received before noon (CST) for application-only requests


Every application is reviewed by a person to assess risk and creatively work towards a positive outcome.


Our strong team effectively manages the process from start to finish, funding in up to 48 hours assuming all needed information is received.

two people shaking hands in front of a red letter


We are industry agnostic! This means that we do not discrimate industry to industry. These are a few of our main industries:


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.

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