Targeted Lending Co. provides direct, independent equipment financing for small and midsize businesses, offering loans, leases, and hybrid structures that accommodate a wide range of credit scores and industry needs. Applications are processed online with funding available within 24 hours, enabling rapid acquisition of equipment across sectors such as IT, hospitality, medical, transportation, and construction.
Funding
$25M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Small businesses often struggle to obtain timely and flexible equipment financing due to strict credit requirements, lengthy approval processes, and limited lender options. Delays in funding can hinder growth, prevent equipment upgrades, and reduce competitiveness across sectors such as IT, hospitality, medical, transportation, and construction.
Solution
Targeted Lending Co. offers direct, independent equipment financing that accommodates a wide range of credit scores and industry needs. Applications are processed quickly, with funding available within 24 hours, allowing businesses to acquire the necessary equipment without prolonged waiting periods. The company provides customized loan structures—such as leases, loans, and hybrid options—to match the cash‑flow and tax considerations of each client. By leveraging an internal risk‑modeling platform, Targeted Lending can extend credit to borrowers who may be declined by traditional banks while maintaining controlled growth. The end‑to‑end process, from application to disbursement, is managed online, reducing paperwork and simplifying the experience for owners.
Target Audience
Primary customers are small and midsize enterprises across retail, hospitality, healthcare, logistics, and construction that require equipment purchases or upgrades to sustain operations and growth.
Features
- Flexible financing structures (loans, leases, and hybrid deals) tailored to equipment type and business cash‑flow needs
- Rapid underwriting and funding, with approved capital disbursed within 24 hours of application
- Acceptance of a broad spectrum of credit profiles, enabling access for businesses with limited or non‑traditional credit histories
- Coverage of diverse equipment categories, including IT hardware, restaurant fixtures, durable medical devices, transportation fleets, and construction machinery
- Direct lender model that eliminates intermediary constraints and offers more competitive rates than many institutional lenders
- Online application portal with real‑time status updates and electronic document submission