Balboa Capital Corporation

Balboa Capital is an independent equipment financing and leasing company based in Irvine, California. It provides financing to small and medium-sized businesses across the United States that need to acquire equipment for their operations.

Equipment financing is designed for businesses that need machinery, vehicles, technology or other physical assets to run or grow their operations, but do not want to pay the full purchase price upfront. By financing equipment, a business can put the equipment to work immediately while spreading the cost over time through regular payments. This helps preserve working capital and makes it easier to budget.

Balboa Capital offers both equipment loans and equipment leases. With a loan, the business owns the equipment outright once the final payment is made. With a lease, the business makes payments to use the equipment for an agreed period and typically has options at the end, such as purchasing the equipment at a residual value, returning it or refinancing.

Balboa Capital works with businesses across a wide range of industries including transportation, construction, healthcare, food service, manufacturing and technology. It positions itself as an accessible option for businesses that may find it harder to get equipment financing from a bank, particularly those that are smaller or have been in operation for a shorter period. Balboa Capital is not a bank, so it operates under different requirements than bank lenders.

The application process at Balboa Capital is largely handled online or by phone. Approval timelines are generally faster than those at traditional banks.

If you are exploring equipment financing, compare offers from multiple sources including your bank, credit union and independent equipment finance companies like Balboa Capital to find the most cost-effective option for your situation.