Capital for Complex Equipment Projects
Funding Projects from $250,000 to $300 Million
Direct Lending • Bank Overflow Solutions • Institutional Capital • Customized Financing Structures
Welcome To Commercial Funding Partners (CFP)
Institutional Capital. Commercial Expertise. Exceptional Execution.
Commercial Funding Partners (CFP) is an equipment financing and institutional capital partner for America's most ambitious commercial projects. With funding capabilities ranging from $250,000 to $300 million, we help established businesses secure the capital needed for expansion, modernization, automation, acquisitions, infrastructure, and investments in mission-critical equipment.
Our unique platform combines direct lender capabilities with an extensive network of banks, institutional investors, family offices, and specialty finance partners, allowing us to structure financing solutions that many traditional lenders cannot provide. From complex progress-payment facilities and large-scale equipment acquisitions to sale-leasebacks and customized capital structures, CFP is built to solve challenges and engineer financing opportunities.
Founded in 2012 and backed by an ownership team with nearly four decades of commercial finance experience, we have helped companies across manufacturing, power generation, medical, construction, transportation, and industrial markets execute projects that drive long-term growth.
Whether you're financing $250,000 or $300 million, you'll work with senior professionals who remain engaged from your first conversation through your final funding. At CFP, we don't just finance equipment, we help finance what's next.
Industries we serve
Manufacturing
Construction
Medical
Agriculture
Power Generation
Material Handling
Aviation
Food Processing & Food Packaging
Transportation
How We Can Help
Financing Solutions Built for Complex Projects
Equipment Financing
Funding from $250K to $300M for new and used equipment, including installation and soft costs.
Institutional Equipment Funding
Capital structures from $250k to $300M with progress payments, construction draws, and multi-vendor facilities.
Equipment Sale-Leaseback
Unlock working capital from equipment you already own while keeping full use of it in your operations.
Vendor Financing
White-label financing programs that help equipment manufacturers and dealers close more sales, faster.
Bank Overflow Financing
Where banks send quality deals that fall outside their credit policy, while keeping the client relationship.
Second Opinion Review™
Declined or offered poor terms elsewhere? Get a free, no-obligation review of alternative structures.
Non-Admitted Asset Financing
Financing for software, engineering, installation, and other project costs banks won't put on their books.
Recent Transactions
What Our Clients Are Saying
"CFP funded a 36 month operating lease helping us secure a business acquisition. We just finished paying it off. They were fair with no surprises."
“The people at CFP were able to work out the right structure for us and I really appreciate the open communication with their back office staff. Their experience, professionalism and personal touch is why I will do business with them again."
“I have a customer that has over 10 schedules with CFP. Having a funding partner that has both the interests of the customer and broker is a rare find.”
“Our business has 8 different entities, the $1.5M project CFP funded was unique, it’s nice to have someone who makes the effort to understand our business.”
“I have funded many deals with them, they do what they say. They treat my customers and vendors with respect.”
“CFP came through when others couldn’t. Our $800K transaction had many moving parts. Their team worked well with us and our vendors.”
“It is so refreshing to work with an owner and not a mid-level manager. You always have both the customer and my interest at heart.”
Benefits of Equipment Leasing with Direct Lender (CFP)
Equipment Finance & Leasing Services – Choosing Commercial Funding Partners for your equipment leasing needs means choosing a path of financial flexibility and strategic advantage. Here’s how partnering with us can transform your business operations:
Preserve Capital
The Equipment Leasing & Finance Foundation reports that more than half of equipment acquisitions are financed via loans, leases, and credit lines. When the deal qualifies, CFP can fund up to 100% of eligible project expenses, helping you retain cash for whatever comes next.
The Latest Technology
Remaining competitive in the 21st century requires equipment that can meet the demands of high-efficiency manufacturing and automation. If you’re missing out on contracts because your existing machinery can’t keep up with production requirements, it’s time to act and bring us in to help finance all your operational equipment needs.
Tax Benefits
Benefit from potential tax advantages, as you can often write off lease payments as business expenses. Section 179 also offers very favorable depreciation options. This tax treatment can significantly lower the net cost of your lease.
Customized Financing Solutions
Every business is unique, and so are our leasing options. As direct lenders, we offer flexible terms that can be customized to fit your unique business and cash flow needs. It is essential if there are any seasonal fluctuations and project-specific needs.
Quick and Easy Application Process
We understand that time is money. Our streamlined application process is designed to help qualified transactions move from review to funding readiness so you can begin ordering the equipment needed.
World-Class Support and Service
From choosing the right equipment to finalizing the lease terms, our team of experts provides guidance every step of the way. We pride ourselves on our personalized service and client support.
Hassle-Free End of Lease Options
At the end of every lease, you have several options, such as taking ownership of the equipment, upgrading to the latest makes and models, or returning it. We are here to help!
Partner with Commercial Funding Partners Today and use a leasing strategy that puts your business first.
Equipment Financing FAQs
What financing terms does Commercial Funding Partners offer?
Commercial Funding Partners structures equipment financing and leasing solutions around each client's financial objectives, cash flow, and equipment requirements. Most financing terms range from 24 to 60 months, but longer or customized terms may be available depending on the transaction, equipment type, and credit profile.
Our flexible financing structures help businesses preserve working capital, manage cash flow, and align financing obligations with the useful life of their equipment.
How quickly can CFP provide a financing decision and fund a transaction?
CFP understands that timing can be critical when acquiring equipment or expanding business operations. Once we receive the necessary financial information and project details, our team can often provide a preliminary Letter of Intent (LOI) the same business day. Formal credit approval and documentation typically take 2 to 4 weeks, depending on the transaction's size, complexity, and underwriting requirements.
Following final approval, satisfaction of all funding conditions, and execution of the required financing documents, funding can generally occur within 72 hours.
What types of businesses qualify for equipment financing?
CFP specializes in financing established, mid-market companies with strong operating histories and demonstrated financial performance. Our typical clients have:
- Annual revenues exceeding $20 million
- At least three years of successful business operations
- A history of profitability and positive operating cash flow
However, we recognize that not every strong financing opportunity fits a conventional lending formula. Our experienced financing team takes a hands-on approach to evaluating transactions involving companies that may fall slightly outside these guidelines but demonstrate financial strength, a compelling business case, and the ability to support the proposed financing.
We look beyond the numbers to understand the business, the equipment, and the opportunity.
What documentation is required to apply for equipment financing?
To efficiently evaluate a financing request, CFP typically requests the following documentation:
- Three years of audited or reviewed business financial statements
- Current interim or year-to-date financial statements
- A completed and signed financing application
- Equipment invoices, vendor quotations, or purchase agreements for the proposed new or used equipment
Depending on the transaction, CFP may request additional documentation, including business tax returns, equipment schedules, financial projections, or information on the proposed project's economic benefits. Having a complete financial package available at the beginning of the process can significantly improve underwriting efficiency.
How does CFP determine equipment financing rates and pricing?
CFP develops financing proposals based on each transaction's individual characteristics rather than relying on a one-size-fits-all pricing model. Factors influencing financing rates and terms include:
- Total transaction size
- Borrower's credit quality and financial performance
- Prevailing market interest rates and cost of capital
- Financing term and repayment structure
- Equipment type, age, and collateral value
- Special requirements, including progress payments, installation costs, or customized payment schedules
Our objective is to structure competitive financing solutions that balance the client's operational and financial needs with the transaction's requirements.
What is Bank Overflow Financing, and how does CFP work with commercial banks?
CFP's Bank Overflow Desk provides an equipment financing resource for commercial banks and relationship managers whose clients have financing needs that fall outside their institution's lending parameters.
Banks regularly encounter otherwise attractive equipment financing opportunities they cannot accommodate because of internal lending limits, collateral restrictions, industry concentrations, transaction structures, or credit policy requirements.
Rather than turning away a valued customer, the bank can introduce the opportunity to CFP for independent evaluation.
Our commitment to referring banks is straightforward:
We do not seek to replace the bank or compete for its broader banking relationship. Our role is to provide specialized equipment financing solutions while respecting and protecting the relationship the bank has established with its customer. This collaborative approach helps banks serve their customers, preserve valuable relationships, and pursue financing opportunities that might otherwise go unfunded.
Your Client. Your Relationship. Your Success Story. Our Capital.
What happens at the end of an equipment lease?
End-of-lease options depend on the financing structure and the terms established in the original agreement.
Equipment Finance Agreements and Capital/Finance Leases - Under an equipment finance agreement or qualifying finance lease, the customer generally obtains ownership of the equipment upon satisfying all contractual obligations, including any applicable final purchase payment.
Operating or Tax-Oriented Leases - Depending on the lease structure, customers may have several options at the end of the term:
- Purchase the equipment at fair market value or another purchase price specified in the agreement.
- Renew or extend the lease for an agreed period, subject to the lease provisions.
- Return the equipment in accordance with the lease's return conditions.
CFP works with each customer to establish an appropriate financing structure and clearly define end-of-term obligations before finalizing the transaction.