HOW IT WORKS
From “I found it”
to funded.
Three steps, one application, 40+ lender partners. Here is what actually happens at each stage — including what to have ready.
THE PROCESS
Three steps.
No detours.
Paperwork stays light, and you know what happens next at every stage.
Tell us what’s moving
Choose the asset, financing need, and capital range. The first step takes about a minute.
We compare the network
Your request is matched with relevant options across 40+ lender partners.
Choose and move
Review your options, finish the documentation, and put the capital to work.
Documentation,in plain terms.
Business basics
Entity name, EIN, and your MC/DOT number if you have one.
Recent bank statements
Usually the last three months. Larger requests may call for tax returns or financials.
The equipment details
Invoice or bill of sale, VIN or serial number, and inspection where required.
Does checking my options affect my credit?
No. Exploring options does not involve a hard credit pull. A hard inquiry only happens if you choose a specific lender and authorize it.
How long does the whole thing take?
Decisions typically come back within 24 hours, and funding typically follows within 2–5 business days. The variable is almost always how fast documentation comes together.
Do you charge me a fee?
No. Talking to us, comparing your options and getting a quote are free — there is no consultation fee and no application fee. We are paid by the lender when a transaction funds. If a lender charges its own costs, such as documentation fees, those are disclosed in writing before you sign anything.
Are you the lender?
No. TOBO Capital Group LLC is a commercial finance broker. Financing is provided by our lender partners, and final terms are set by the funding partner, subject to credit approval.
What if I get declined?
Because the request goes to a network rather than a single lender, one decline is not the end. We will tell you plainly what is blocking it and whether a different structure is the realistic path.
CHECK YOUR OPTIONS
Ready when
you are.
Pick a topic and leave your details — no obligation at any step.