Lynx Point Funding offers a smarter alternative to traditional bank loans. Our Equipment Finance Agreements deliver 100% commercial financing with no down payment. The debt is reported only to business credit bureaus, so your personal credit and debt-to-income ratio stay completely untouched.
Our payments are fixed and predictable—no fluctuating interest rates tied to the economy. Finance charges are built directly into the monthly payment. Once we have the equipment price and your initial approval, we’ll present clear terms and payments tailored to your situation.
Absolutely. We offer flexible programs designed around real business needs:
Seasonal Payments
Ideal for businesses with busy and slow seasons. Choose any three months for reduced or skipped payments.
60/90-Day Deferred
Perfect when equipment won’t generate revenue right away.
Structure: 1 advance payment → 3 months deferred → regular payments for the rest of the term.
Working Capital Option
Need extra cash for marketing, inventory, expansion, or cash flow? We can structure financing to put money directly in your hands.
Virtually any type of equipment. We’ve helped businesses in these industries and many more:
The fastest way to save is choosing the shortest term possible.
You can also:
Yes! Our product is structured as an Equipment Finance Agreement (EFA)—not a traditional lease. You own the equipment from day one and can deduct 100% of the purchase price under IRS Section 179.
We don’t rely on a single credit score. We look at the full picture: time in business, business credit history, payment patterns, and the “why” behind any score issues. Many of our customers with past credit challenges still qualify.
Yes. Under IRS Section 179, you can deduct the full cost of qualifying equipment (up to $1,000,000 in 2026) in the year it’s placed in service. The deduction begins to phase out only after total equipment purchases exceed $2,000,000. Our EFA structure qualifies for full deduction—giving you maximum tax savings.
No. This is strictly commercial financing. All owners sign on behalf of the business, and we report only to business credit bureaus. Your personal credit score, revolving balances, and debt-to-income ratio remain completely unaffected—so you can build strong business credit while protecting your personal finances.
