Your Questions,
Answered

LW Capital Corp is a direct commercial equipment lender and lessor based in Newport Beach, California. Established in 1994, we provide customized leasing and financing solutions for businesses that need to acquire equipment — from $10,000 to $350,000.

As the primary lender, we use our own approval process, our own documentation, and our own internal funds. That means no brokers, no middlemen, and faster decisions for you.

LW Capital can provide up to $75,000 with a one page credit application. Normal credit approval process is within 3 working days. However, many times credit approval can be completed within 24 hours. Funding typically occurs within 24-48 hours after delivery and acceptance. For larger transactions ($75,000+), the credit approval process can take up to two (2) weeks, depending on the financial and transaction complexity.

You have a variety of options available to you. These include the most common end of lease options: FMV, $1 Buy Out, and Fixed Percentage Purchase Options. Additional options are also available and can be customized to your particular situation.

LW Capital leases and finances most types of new or used business equipment including office and manufacturing equipment, computers, software, furniture, and commercial vehicles. Most equipment used in business can be financed or leased. For a strong credit, we will finance or lease virtually any type of equipment.

We can finance new or used equipment. We can also finance third party sales.

Rates are determined based on credit history, equipment cost, and term structure. For an immediate quote please call us.

Yes, leases can be paid off at any time.

Typically the IRS will allow you to write off 100% of your lease payment on a True or FMV lease. Consult your accountant for specific application to your business.

No. Lease rates and terms are fixed.

Businesses can apply for up to $ 150,000 with our Credit Application or up to $350,000 with a full financial package (see financial checklist)

Our programs require a minimum of seven (7) years in business. However, exceptions can be made based on the credit strength of the company.

The lessee selects the equipment and vendor. This ensures you have negotiated the best prices possible, and that you are acquiring the equipment that best meets your exact needs.

Yes. In fact, most of our transactions require no down payment from the lessee.

Depending on the equipment, lease terms can range from two (2) to seven (7) years. End-of-term lease options include the most common - FMV, % options, fixed price purchase options, and $1.00 buy-outs. However, we offer a variety of structures to include - Step Leases, Deferred Payment Leases, Early Buyout Option (EBO), a capped or not to exceed purchase price, a stated FMV % of the original equipment cost, or fixed TRAC Lease amount as your end of lease purchase price. Our goal is to meet the lessee's specific leasing requirements.

We internally fund, bill and collect all of our transactions. However, in an effort to provide optimal services and solutions, we sometimes find it necessary and best to look externally to our extensive partner and national network of financial institutions including banks, finance companies, leasing companies and insurance companies. For any number of reasons, certain types of transactions are a better fit for a Lender other than us.

Credit worthiness is the key for us, so we do not work with start-ups, or companies with marginal or bad credit. We only deal with established businesses (7 years plus) and our application procedure requires no financial statements or tax returns for equipment up to $150,000.

The easiest way to start is to complete our online application forms at apply.html. All transactions require:

• A completed credit application
• An authorization to obtain credit information

For transactions over $150,000, you'll also need to submit financial statements. See our financial data checklist for details. You can also call us at (949) 640-7783 or email us at lwein@lwcapitalcorp.com.