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How to Qualify

Qualifying for a small business loan with Great Energy Capital is simple! Find out how here.

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Working Capital

Borrowing for your business used to be a daunting and stressful experience. But worry no more! Great Energy Capital improves the borrowing process by streamlining the application, getting you funding in minutes instead of days or weeks.

Here’s what we need to get you approved for a working capital business loan:

Equipment Financing

Found a piece of equipment for your business that you simply must have? If so, consider financing it with a Great Energy Capital equipment finance loan. Here’s what we need to get you approved:

Generally, personal credit scores are less significant compared to other business credit factors. However, as a guideline, if your credit score is above 500, you’re likely in a good position!
We require a minimum of 6 months in business.
$20,000 per month or $240,000 in annual sales, with at least three deposits per month.
US citizenship is not required. Great Energy Capital only requires that the business owner be a legal resident.
Any owner can sign the contract, regardless of their ownership percentage.
Equipment loans require a credit score of 600 or higher. Remember, these loans are based on your credit, not your revenue.
Start-ups are welcome! If you’re seeking more than $100K and better rates, you’ll need to have been in business for more than two years.
Unlike a working capital loan, revenue isn’t a major factor for equipment loans. Even with small revenues, if you have a strong credit score and have been in business for over two years, you’re likely to be approved for a large piece of equipment!
US citizenship is not required. Great Energy Capital only requires that the business owner be a legal resident.
A 51% ownership stake is required to sign on behalf of the company. Personal guarantees are necessary for businesses with fewer than ten owners. Corporation-only (Corp-Only) approvals are available for widely-held corporations.

Are You Ready to Apply?

Whether you know how much you’d like to borrow for your business or what piece of equipment you’re looking to finance, applying with Cardiff is a simple process. If you’ve got 60 seconds, we’ve got an approval for your business that’ll fit your budget and guarantee you’ll continue to thrive!
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Is Great Energy Capital the right lender for my business?

Great Energy Capital partners with a diverse range of small businesses. Here are some types of small business loans they specialize in:

  • Trucking loans (long-haul, short-haul, last mile, interstate, or intrastate)
  • Dental practice loans
  • Contractor loans (electrical, general, roofing, HVAC, plumbing)
  • Restaurant loans
  • Construction loans (excavation, stone cutting, concrete, landscaping, masonry stone and tile, painting, carpentry)
  • Gym loans (CrossFit, yoga, Pilates, spinning, tanning)

Automotive dealers, financial services firms, law firms, and non-profits typically won’t qualify for a Great Energy Capital business loan.

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