Why Choose Crest Capital?

30+ Years of Experience: Founded in 1989, we have a proven track record helping thousands of businesses nationwide.

Direct Lender Advantage: No middleman delays or hidden fees—enjoy a smoother, faster underwriting process.

Speed & Flexibility: Many qualified approvals can happen the same business day, with terms tailored to your specific needs.

If you’re ready to see how we can help you secure the equipment you need, Apply Now or call us at (800) 245-1213 for immediate assistance.

Understanding Business Credit

How Business Credit Works
Business credit scores are primarily influenced by prompt supplier payments, prudent credit-line usage, and the absence of severe public record issues (like bankruptcies or liens). Higher scores often lead to faster approvals and more favorable terms.

Key Business Credit Metrics We Evaluate

Dun & Bradstreet (D&B)
• PAYDEX® (1–100): 80–100 indicates strong on-time or early payments; below 50 suggests higher risk.
• D&B Rating: Combines financial strength indicators and a composite credit appraisal.
• Delinquency Predictor & Financial Stress Scores: Gauge late-payment or business-failure risk.
• SBRI (1–9): 1 = minimal risk; 9 = highest risk.

Experian
• Intelliscore Plus (1–100): 76–100 = low risk; lower scores = higher delinquency likelihood.
• Financial Stability Risk Rating (1–5): 1 = minimal default/bankruptcy risk.

Equifax
• Payment Index (0–100): Scores ≥90 = consistent on-time payments.
• Credit Risk Score (101–992) & Business Failure Score (1,000–1,880): Higher = lower risk.

PayNet (an Equifax Company)
• PayNet MasterScore v2 (300–900): Widely used by lenders; higher = lower default risk.
• AbsolutePD: % indicating 12-month default probability.
• Small Business Delinquency Index (SBDI): Tracks industry-level payment trends.
(PayNet also analyzes credit utilization, payment patterns, etc.)

FICO
• SBSS (0–300): Integrates business/personal credit; higher = lower risk, often used in small-business underwriting.

Why Good Business Credit Matters

Strong business credit unlocks faster approvals, better rates, and fewer constraints. Weak credit can limit options, raise interest rates, and impose stricter conditions.

Tips to Improve Business Credit
•Pay bills on time.
•Maintain low credit utilization.
•Keep older accounts open to build a long credit history.
•Encourage vendors to report positive payments.
•Separate personal and business finances.

Crest Capital’s Eligibility Requirements

Minimum Time in Business (TIB): Two full years under consistent ownership—startups are not eligible. This shows operational stability and a reliable track record.

What We Finance: Commercial equipment essential to your operations; not personal-use or purely consumer items.

Transaction Guidelines
• Vendor-Based Transactions: Preferred; typically include well-documented equipment quality/pricing.
• Private-Party Sales: Case-by-case if equipment condition/terms are verifiable.

Term Length & Structure
• Standard Terms: Up to 60 months.
• Extended Terms: Up to 84 months for stronger businesses.
• Specialized Structures: Prefunding, progress payments, or seasonal adjustments for qualified applicants.

Financial Benchmarks for Approval

Payment Behavior & Credit History: On-time payments, no recent bankruptcies or major liens. Excessive revolving debt or large write-offs can affect approval.

Key Ratios & Metrics (For Larger Requests)
• Debt Service Coverage (DSC) >1.2×
• Leverage Ratio (Debt/EBITDA) <4.0×
• Current Ratio ≥1.5×
• Stable/Increasing Revenue & Earnings

Comparable Borrowing History: Past success repaying similar-sized loans helps.

Equipment Age & Condition: Under ~10 years old is preferred (unless strong collateral value remains).

Credit Score Benchmarks: Guidelines, Not Cutoffs

• D&B PAYDEX® ≥80
• Experian Intelliscore ≥76
• Equifax Payment Index ≥90
• PayNet MasterScore v2 ≥700
• FICO SBSS ≥160

Meeting/exceeding these often streamlines approvals. Slightly below can still qualify with compensating factors (e.g., strong balance sheet, personal credit ≥650).

Ownership Credit as a Supporting Factor

For closely held businesses, personal FICO ≥650 can help offset borderline business metrics.

Application, Verification, & Review Process

Streamlined Applications (Smaller Requests)
Basic business info + equipment quote/invoice. Crest verifies public records and credit internally—no extra documents needed. Many deals decided within hours.

Documentation for Larger/Complex Transactions
May require financial statements, tax returns, and trade references.

Using Third-Party Data & Online Presence: We review D&B, Experian, Equifax, PayNet, etc., plus your professional web presence. We blend automated scoring with analyst reviews for fair, fast decisions.

Summary of Core Approval Criteria

Take the Next Step with Confidence

Whether you’re ready to apply or have more questions, we’re here to help:

At Crest Capital, we believe in making equipment financing accessible and straightforward—so you can focus on running a successful business.