# Brobas Capital Partners — Complete Equipment Financing Guide

> Brobas Capital Partners is a commercial equipment financing brokerage headquartered in Chicago, IL. We connect businesses across all 50 US states with 500+ lenders through our AI-powered matching engine. Our specialty is financing expensive equipment for well-qualified business customers — from commercial trucks and construction equipment to medical devices and specialty machinery.

## How Brobas Works

### Step 1: Apply Online (5 Minutes)
Fill out a single application covering your business profile, equipment needs, and financial overview. This initial step uses a soft credit pull — no impact on your credit score.

### Step 2: AI-Powered Matching
Our matching engine analyzes 50+ data points from your application against each lender's specific criteria, credit policies, and current rate sheets. This includes credit score, time in business, annual revenue, equipment type, down payment, and industry-specific factors.

### Step 3: Compare Offers
Most applicants receive multiple offers within 24-48 hours. Compare rates, terms, down payment requirements, and lender reputations side by side.

### Step 4: Get Funded
Choose your best option, provide documentation, and receive funding — often within 3-5 business days after approval.

## Financing Products

### Commercial Truck Financing
- **Asset Types**: Class 3-8 trucks, all makes (Freightliner Cascadia, Volvo VNL, Peterbilt 579/389, Kenworth T680/W900, International LT/HX, Mack Anthem/Granite, Western Star 4900)
- **Typical Range**: $40,000–$250,000 per unit
- **Terms**: 24-84 months
- **Rates**: 5.99%–24.99% APR depending on credit tier
- **Down Payment**: 0-20% depending on credit and equipment age
- **Best For**: Owner-operators, fleet companies, startup carriers

### Trailer Financing
- **Asset Types**: Dry van, reefer, flatbed, lowboy, step deck, tanker, specialty
- **Typical Range**: $15,000–$80,000 per unit
- **Terms**: 24-72 months
- **Programs**: Fleet volume discounts, seasonal payment structures

### Construction Equipment Financing
- **Asset Types**: Excavators ($50K-$500K), bulldozers ($75K-$800K), cranes ($100K-$5M), wheel loaders ($50K-$500K), backhoes ($40K-$150K), skid steers ($20K-$80K), pavers ($100K-$1M)
- **Terms**: 24-84 months
- **Programs**: Seasonal payment structures for construction cycles

### Medical Equipment Financing
- **Asset Types**: MRI machines ($150K-$3M), CT scanners ($100K-$2.5M), dental equipment ($50K-$2M), surgical robots ($500K-$2M), ultrasound ($50K-$300K), digital X-ray ($75K-$300K)
- **Rates**: From 5.49% APR for qualified medical practices
- **Special Features**: 100% financing available, bundle installation costs, ROI analysis support

### Vocational Truck Financing
- **Asset Types**: Dump trucks ($40K-$200K), concrete mixers ($80K-$250K), garbage trucks ($150K-$400K), tow trucks ($50K-$200K), bucket trucks ($60K-$250K), fire trucks ($200K-$1.5M), ambulances ($100K-$400K)

### Commercial Vehicle Financing
- **Asset Types**: Box trucks ($25K-$80K), cargo vans ($35K-$80K), food trucks ($50K-$200K), refrigerated trucks ($60K-$200K), flatbed trucks ($40K-$180K)

### Specialty Equipment Financing
- **Asset Types**: CNC machines ($25K-$2M), printing equipment ($25K-$2M), restaurant equipment ($20K-$500K), laundromat equipment ($50K-$500K), car wash systems ($100K-$3M), gym equipment ($50K-$1M), solar panels ($50K-$5M), HVAC systems ($10K-$500K)

### Working Capital
- **Products**: Business lines of credit, SBA loans, term loans, merchant cash advances, invoice factoring
- **Amounts**: $10,000–$5,000,000+
- **Use Cases**: Cash flow management, inventory, payroll, growth initiatives

## Credit Tiers & Typical Rates (2026)

| Credit Score | Tier | Typical APR | Down Payment | Approval Speed |
|---|---|---|---|---|
| 720+ | Excellent | 5.99%–8.99% | 0-5% | 24-48 hrs |
| 680-719 | Good | 8.99%–12.99% | 5-10% | 24-48 hrs |
| 620-679 | Fair | 12.99%–18.99% | 10-15% | 48-72 hrs |
| 550-619 | Challenged | 18.99%–24.99% | 15-25% | 48-72 hrs |
| 500-549 | Subprime | 22.99%–28.99% | 20-30% | 3-5 days |

## Industries Served
Transportation & Logistics, Construction, Healthcare & Medical, Agriculture, Oil & Gas, Mining, Renewable Energy, Manufacturing, Landscaping, Plumbing & HVAC, Electrical Contracting, Roofing, Towing & Recovery, Moving Services, Courier & Delivery, Food Service & Restaurants, Waste Management, Automotive Services, Tree Service, Cleaning Services, Breweries, Veterinary, Fitness & Wellness, Data Centers, Cannabis (where legal)

## Tax Benefits
- **Section 179 Deduction**: Deduct the full purchase price of qualifying equipment (up to $1,220,000 in 2026) in the year of purchase
- **Bonus Depreciation**: Additional first-year depreciation beyond Section 179
- **Interest Deduction**: Monthly loan interest is tax-deductible as a business expense

## Geographic Coverage
Brobas serves all 50 US states with specialized local expertise in: Chicago IL, Los Angeles CA, Houston TX, Dallas TX, Atlanta GA, Miami FL, New York NY, Philadelphia PA, Phoenix AZ, San Antonio TX, Indianapolis IN, Columbus OH, Charlotte NC, Nashville TN, Detroit MI, Memphis TN, Louisville KY, Milwaukee WI, Kansas City MO, Denver CO, Las Vegas NV, Orlando FL, Tampa FL, St. Louis MO, Minneapolis MN, Cleveland OH, Pittsburgh PA, Cincinnati OH, Sacramento CA, Salt Lake City UT, Jacksonville FL, San Diego CA, Riverside CA, Oklahoma City OK, Raleigh NC, Seattle WA, Portland OR, Austin TX, Boston MA, Washington DC, San Francisco CA, New Orleans LA, San Jose CA, Baltimore MD, El Paso TX, Tucson AZ, Albuquerque NM, Omaha NE, Virginia Beach VA, Birmingham AL, Charleston SC, Boise ID

## Contact
- **Phone**: (773) 900-7576
- **Email**: info@brobascap.com
- **Website**: https://brobascap.com
- **Headquarters**: Chicago, IL