Commercial Truck Financing – How to Get Approved, Even When the Banks Are Saying NO

The most frustrating hurdle to overcome in business is short cash flow, isn’t it? As an owner-operator or small trucking business owner, you need cash for new or used equipment, payroll, advertising and more. You ask yourself, “When is it going to get easier to get financing—and what do we do meanwhile?” Well, you are not alone. A lot of trucking business owners are asking themselves that same question, right now.

It’s been a situation small-business owners have struggled with since the economy melted down. Adding insult to injury, business banks reacted to the financial crisis by tightening their lending standards.

Now, despite the slow but steady recovery, it’s still tough for many trucking companies to get a traditional bank loan. Businesses that were once able to borrow whenever they needed the capital to grow or to survive are now struggling to keep their doors open.

“I had opportunities to grow my business, but I was losing out
because I lacked the
capital I needed to seize the opportunities I worked so hard to bring in.”

“Cash flow has been tighter than usual and sometimes I needed a loan to purchase inventory, equipment, make payroll or fulfill my obligations to my vendors. I’ve been in business for over

8 years, but now that the economy is picking up, I was still unable to take full advantage of the upswing in the market because of the lack of small business lending from banks.” Bill H., owner of a logging company in Frazeyburg, Ohio told us.

Like many owners, Bill began looking toward other sources of financing, such as an alternative lender. Increasingly more and more business owners are leveraging short term, unsecured business loans to grow and expand their business.

Turning the Tide in Your Favor

CFIC Funding is a great option for businesses that need a short-term loan with flexible re-payment options and funding in as little as 24 hours.

Instead of looking at just your credit score, we take more of a “360 Degree” look at your business to determine what your best lending options are.  We work with our partners to get you the funding you need and, simultaneously, fill in those gaps where traditional banks are failing to serve small business owners.” David Young, President of CFIC Funding stated.

“Having options and flexibility is very important to me,” said Tharron S., owner of a transportation firm in Wilmington, DE said. “I rest a lot easier every night, knowing that when opportunities arise or any cash flow needs come up, I’m able to access the cash I need when I need it. I can now handle a situation before a small problem snowballs into something bigger because of the lack of capital.”

“I especially like the fact that we can usually get everything
we need within 4 or 5 working days.”

If you are a business owner or manager who wants to learn more about alternative business financing options you can find more information at: or call 424-224-7084.

Click Here to Apply

Get Small Business Financing with Fast, Easy Approvals

Top Lender for Small Business Capital

Call for a FREE Consultation 1-424-224-7084

  • Good Credit – OK
  • Bad Credit – OK
  • Quick, Easy Process
  • Minimal Paperwork
  • Higher Finance Amounts
  • Small Business Financing for A to D Credit

Funding Your Business is Easy with a Top Lender for Small Business Financing!

  • No Personal Guarantee & No Collateral Required, 100% Unsecured Funds
  • Minimal Paperwork Required, Quickly Get Funded Within a Few Days
  • Bad Credit OK, Our Programs are Business Sales Driven
  • Approvals Within 48 Hours, See How Much You Qualify for, Apply Now!

Apply Online NOW!

At CFIC Funding, we understand your business is unique. We look at your business individually to ensure that your financing matches your requirements and business goals.  We look at every application as an opportunity to serve you and fund your business loan needs. Because of this, we’re able to approve financing to business owners who never thought they could get financing.

Business owners with bad credit history, newer businesses and those businesses that perform well but can’t show it with financial statements are delighted to be approved. Our real world business evaluation process secures approval on a large percentage of our applications. As well, many clients are able to get significantly more capital. It only takes a few minutes to apply and a few hours to receive an approval. Get Funded – Apply Now

Apply for a Loan Now

  1. Call for a Free No Obligation Consultation. Ask for David at 1-424-224-7084
  1. We’ll Go Over Your Goals with you and Propose Programs to Match Your Needs
  2. Take a Minute to Fill Out Our Quick & Easy Application
  3. Choose the Best Program for You and Receive Financing Within a Few Business Days

Contact Us!

CFIC Funding
949 W 26th Street, Suite #202
San Pedro CA 90731

Call Us!
Dial 1- 424-224-7084
Fax 1-315-410-6823

Email Us!

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Business Loans for Women Owned Businesses

Women-owned businesses are thriving and are at the very heart of the American dream. The Small Business Administration says that women-owned businesses have been growing at twice the rate as small businesses as a whole over the past 15 years!

Business growth needs capital to spur it on. Small business owners across America consider getting ample financing an essential ingredient in the success of their business and women business owners echo that train of thought.

It does not matter if your business needs:



A marketing campaign


To take advantage of an inventory discount

An Alternative Small Business Loan Can Really Breathe Life Into Your Business
and Help It Blossom

Traditional bank loans have a low approval rate. The process can be slow, arduous, and dogmatic. Banks generally don’t play well with young and small businesses. A typical bank loan process can take 4-8 weeks before even knowing if your business will be rejected or approved.

On the other hand, CFIC Funding is an alternative lending source with a focus on lending to small, young healthy businesses. When you need to capture opportunities that ensure the success and growth of your business, it’s time to apply for an alternative small business loan with CFIC Funding. Loans can range from $5000 to $1,000,000 and more.

Loans are provided to women-owned small businesses based on business performance and the cash flow rather than your credit history. We’ll also provide you a decision in as little as 1 business day, funding in as little as 3 business days; no requirements or changes to your current credit card processor. Just fill out a simple application.

Apply for a Loan Now

  1. Call for a Free No-Obligation Consultation. Ask for David at 1-424-224-7084
  2. We’ll Go Over Your Goals with you and Propose Programs to Match Your Needs
  3. Take a Minute to Fill Out Our Quick & Easy Application
  4. Choose the Best Program for You and Receive Financing Within a Few Business Days

Contact Us!

CFIC Funding
949 W 26th Street, Suite #202
San Pedro CA 90731

Call Us!
Dial 1- 424-224-7084

Email Us!

Connect with Us!
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Inventory Loans for Business Growth


Buy Your Inventory with a CFIC Funding Inventory Loan!

  • Meet growing consumer demands
  • Capture more sales and up-sells
  • Maximize your customer experience
  • Develop repeat sales and referrals
  • Offer convenience
  • Beat the pants off your completion
  • Great customer service

Here’s how: You’ll gain the greatest advantage for the future of your business by providing a great customer experience. It can lead to repeat sales and referrals––the very lifeblood of your business. Managing your cash flow and keeping your inventory stocked well enough to meet the consumer demands while selling it quickly enough to cover your costs and avoid excessive storage costs can make all the difference. Ideally, you’ll want to turn over your inventory within a few months.

Tailor Made for Maximum ROI

An inventory loan can help you match revenue with expenses and achieve a maximum return on investment. Even better, you’ll want the payback time to be months, not years so you can gear up for the next round.  Now that’s a healthy business practice. Like a tailor made suite, a CFIC Funding 6, 9 and 12-month inventory loan is a perfect fit for you.

To help your businesses grow and prosper… apply for an inventory loan from CFIC Funding. We step in when small businesses cannot obtain a line of credit from their traditional bank lender. Our inventory loans range from $5,000 to $250,000. We provide loans to small businesses based on business performance.

So here’s what to do now…

When the Banks say no, we say YES!
Get Started with CFIC Funding today!

Apply for a Loan Now

  1. Call to apply, ask for David at 1-424-224-7084 there is NO obligation and we’ll gladly answer all your questions
  2. We’ll Go Over Your Goals with you and Propose Programs to Match Your Needs
  3. Take a Minute to Fill Out Our Quick & Easy Application
  4. Choose the Best Program for You and Receive Financing Within a Few Business Days

Contact Us!

CFIC Funding
949 W 26th Street, Suite #202
San Pedro CA 90731

Call Us!
Dial 1- 424-224-7084

Email Us!

Connect with Us!
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Small Business Working Capital Loans Demystified

Discover The Quick, Easy, Problem-free Way
Small Business Owners Can Get Working Capital

What is a Working Capital Loan?

A Working Capital Loan is a short term loan (3 to 18 months) whose purpose is to finance the day to day operations of a company.

Who Can Get a Working Capital Loan?

Both new businesses that are trying to expand and older companies looking to restructure can benefit from a working capital loan.

Most business that make $8,000 a month or more will qualify. Even when a bank has said no, alternative lenders approve about 90% of businesses who make sufficient income.

The cash flow of the business is the main factor for determining if a business qualifies.

When Can A Business Use A Working Capital Loan?

Anytime a business needs assistance in covering regular day-today costs, the owner should consider a working capital loan.

Let’s look at an example of Harry who owns the ACME Transportation Company. Harry’s business generates great revenue and his customers are loyal to ACME.

However, one of Harry’s Commercial Trucks needed an expensive repair. Harry was able to get a working capital loan to repair the vehicle and to continue to offer his customers great service and maintain his income.

“Working Capital Loans are a small business owners best kept secret.The loan I got really saved the day.”  Harry

Working Capital Loans May Be Used For


Increase Working Capital

Purchase Inventory

Purchase Equipment

Repair Equipment



New Opportunities


Business Rent

Employee Payroll


Benefits of a Working Capital Loan

Quick approval giving business owners access to funds within a few days

Businesses can stay afloat during slow business months

Lack of sufficient financing is among the top 5 reasons for business failure

Sufficient financing can be the life-blood of any business success story.

CFIC Funding, a leading alternate financing company since 2001. Visit for more resources to help your business


Federal Bank of New York – Small Business Poll, May 2012

Pepperdine University – Grazialdio School of Business Survey, June 2011

2012 Small Business Access to Capital Survey

Contact Us!

CFIC Funding
949 W 26th Street, Suite #202
San Pedro CA 90731

Call Us!
Dial 1- 424-224-7084

Email Us!

Connect with Us!

Small and Mid-Range Businesses Rush to Grab Section 179 Bonus Depreciation

Torrance, CA – (PRLOG – December 13, 2012) – With the clock ticking, small and mid-sized businesses are sprinting towards the close of the Section 179 Bonus Depreciation finish-line.

The purchase or lease of new and pre-owned equipment can provide the linchpin needed to open new opportunities for profit, growth and business success. Fortunately, there is still a window open to lower the expense by writing-off a healthy portion of the purchase price of qualifying equipment when it goes into use before the year comes to an end. This is the last year where you can write off as much as $125,000 in equipment acquisitions. Next year, and for the foreseeable future, the maximum amount you can write off is only $25,000.

“Given the tax advantage and a favorable lending climate, small companies have a chance to make the most of some terrific values”, according to CFIC Funding, Inc. “New or pre-owned equipment financing is a fantastic success and expansion strategy and the Section 179 Bonus Deduction makes it a no-brainer.”

With the bonus depreciation allowed in Section 179, a small business can take the entire purchase price of the equipment that qualifies and depreciate it in one year, rather than the more common five to seven year depreciation time-line.

Why the race against the clock? The idea behind the Section 179 bonus depreciation tax break was simple. Stimulate growth of the US Economy by creating an environment that encourages expansion. However there is no expected renewal on Section 179. The good news is there’s still time to grab the tax saving for small businesses who act swiftly.

Small business owners are encouraged to move forward hastily with their purchase of qualifying equipment that includes: equipment and machines purchased for business use; tangible property used in business, business vehicles with a gross weight in excess of 6,000 pounds; computers; computer Off-the-Shelf-Software; office furniture; large manufacturing tools and more. CFIC Funding states that: “Approval and funding can occur quickly so the good news is… there is still time to get in under the wire.”

As business owners throughout the US are aware, successful ventures make the most of legal tax incentives to reduce their operating expenses thus increasing profit margins. The IRS Section 179 Bonus Deduction is an easy to use tax break. Small businesses have an opportunity to invest in their own business adding capital equipment needed for growth and expansion.

About CFIC Funding

Headquartered in Torrance, CA, CFIC Funding has provided quick, reliable funding to businesses throughout the US that use the Section 179 bonus depreciation, tax deduction. CFIC Funding has a reputation as being a knowledgeable and diligent provider of invoice factoring, accounts receivable factoring, equipment financing and project financing for small to mid-sized businesses. They offer financial services to major industries including: manufacturing, freight, transportation, consulting firms, service providers, staffing firms, distributors, manufacturers, medical service providers and power project developers.

To learn more about equipment financing and how you can take advantage of this opportunity, call CFIC Funding at 310-370-4871 or visit the website at Business owners are encouraged to visit the IRS website and consult their tax advisors for details.

Also seen on:

Take Advantage of Your Business IRS Section 179 Bonus Depreciation Tax Break

Time is ticking… you still have time to qualify for a sizable tax break from Section 179 (up to $125,000 in 2012 to just $25,000 thereafter).

There are many additional advantages to your business by Equipment Lease Financing. Equipment Lease Financing offers a very viable option for business owners to capture new business opportunities without the need to tie up capital or to use their line of credit––thus keeping these funds available for other business expenses.

I want to learn about additional advantages of Equipment Lease-Financing! Grant Me Access

A report from the Equipment Leasing and Finance Association (ELFA) says––new loans, leases and lines of credit totaled $7.6 billion this year. That’s an increase of 26% over the October 2011 reports. You can read the full article on

What are my savings with Section 179 tax deduction?  Use this Section 179 Calculator To Find Out

Find out more about the Section 179 Tax Break — You’ll learn:

What is section 179?

What equipment qualifies for the 179 deduction?

Is there any difference between Section 179 & Bonus Depreciation?

Can I lease equipment and still qualify for Section 179

Does software qualify for Section 179?

What impact does the Stimulus Acts have on Section 179?

How do I elect to take the 179 Deduction?

Apply for Equipment Lease

CFIC Lease Application

Apply for a Line of Credit

CFIC Line of Credit Application

Find out why CFIC Funding, Inc is where small and middle market business owners turn for successful funding solutions––move your business to the next level now, call CFIC Funding at 310-421-7370 today or call 310-370-4871!

Class 8 Truck Trailer Loan Older Collateral Program

CFIC Funding, Inc., offers this program with the following highlights:

650+ credits (owner/operators), any age equipment up to $50K

500+ credits (owner/operators) any age equipment with equal value in additional collateral or 30% downpayment

Truck Equipment Financing Older Collateral Program

Any type of collateral (sleeper trucks, trailers, day cabs, etc.)

No age restriction programs

No mileage restriction programs

Limited down payment requirements – 1st and last payment in advance in many programs

Up to 36/48 month terms on used equipment

Up to $750,000 transactions

No previous commercial credit required

Must be in business a minimum of 1 year

Engine rebuilds OK

Get money now… Pick up the phone and Dial 1-310-421-7370 or 310-370-4871

Fill out and send in your application today: CFIC Lease Application

Fax: 1-315-410-6823



Inventory – Commercial Trucks and Trailers for Sale or Lease

Class 8 Truck Trailer Loan Challenged Credit Program

Class 8 Truck Trailer Loan Challenged Credit Program

This CFIC Funding Equipment Loan Program Highlights

525+ credit scores

Previous bankruptcies are accepted

1st time owner-operators are accepted

Previous delinquency issues are accepted

Smooth and quick documentation process

Past credit problems include foreclosures

Will lend up to $35,000 (higher amounts under certain conditions)

With our Challenged Credit Programs, we will profile a transaction with just an application and a bill of sale or invoice on the equipment, which will allow us to advise you within minutes with  what we will need to proceed.

Get money now… Pick up the phone and Dial 1-310-421-7370 or 310-370-4871

Fill out and send in your application today: CFIC Lease Application

Fax : 1-315-410-6923



Inventory – Commercial Trucks and Trailers for Sale or Lease

Working Capital Loans – Business Loan $5k to $500k

Often a merchant or business cash advance against future sales is how to get money for your business. Many business owners and merchants caught in a cash flow crunch find a working capital loan (a type of business loan where the loan is based on future sales) is the ideal solution for their cash flow needs.

Announcing a new Express Working Capital Loan Program, with a streamlined application and funding process for loans from $5k to $500K!  Pick up the phone and call 1-424-224-7084 or 1-424-222-0080 now!

Working Capital Loan/Merchant Cash Advance Loan

Here’s What to Do Now:

Fill out and return a one-page application

Send us three months of bank statements and 3 months of your merchant account statements

(If you don’t process credit cards, then send 6 months of bank statements)

Send a copy of your Drivers License

Send a copy of your Business License

Send a copy of Voided Check from the account where you want your funds deposited

When Business Owners Ask… How Can I Get Money?

I have cash flow challenges… I need to buy/lease new equipment… I need money to advertise… I need money to purchase inventory… I need to make payroll.  How can I get money?  When You Need to Get Money:

A Working Capital Loan or Merchant Cash Advance Loan may be your best choice…

Here’s A Few Reasons Why Business Owners Choose This Program:

Business Loans up to $500,000 Per Location

No Additional Collateral Required

Approval Based on Gross Sales (Not credit card sales)

Funding is 5 Business Days

Interest is Tax Deductible

No Application Fees

Loan up to 18 months

Decision in 2 Business Days

Renewable for Additional Capital

Business Borrower Guidelines:

Minimum time in business – 1 year

Minimum FICO score 500

5 deposits per month

Maximum of 10 NSF’s per month

Minimum Annual Revenue: $100,000

Since this is not against credit card sales, businesses without credit card sales can get approved and funded. Take advantage of unexpected opportunities even if you are short on funds. Whatever your money needs, think of CFIC Funding CFIC Funding is where to get money!

Get money now… Pick up the phone and Dial 1-424-224-7084 or 1-424-222-0080! 

CFIC Working Capital Application