Commercial Programs

Grow your business with the right finance solutions

Equipment Finance

Amounts of $500 and up


Get the equipment you need to run your business effectively. Our multi-lender platform offers many variations on equipment finance and lease agreements. Submit one application and we’ll ensure you are matched with the best fitting program.

  • Credit Scores of 500 and Up Considered*
  • New & Used Equipment Eligible
  • New Businesses Welcome
  • Instant Decisions up to $15,000 Available
  • Seasonal or Deferred Payments Available**
  • Municipal Contracts Available
  • Include accessories & Extended Warranties

*Must be 18 or older to apply. Approval is not guaranteed. Factors other than credit score may be considered.

**Availablity of certain program variations are subject to credit eligibility

Working Capital

Amounts of $10,000 and up


Manage and grow your business with a plan tailored to your specific needs. Through our consultative process, we can match you with one or more programs from a variety of lenders to achieve your goals:

  • SBA Loans
  • Term Loans
  • Lines of Credit
seasonal Flow

Seasonal Flow

Seasonal differences in cash flow are typical of many businesses. This can create a need for extra capital to gear up for a busy season or to keep the business operating during slow periods.

Bridge the gaps

Bridging Gaps

Additional working capital is sometimes needed to fund obligations to suppliers, employees, and the government while waiting for payments from customers.

Buy in Bulk

Buying in Bulk

Extra working capital can help improve your business in other ways, for example: enabling you to take advantage of supplier discounts by purchasing in bulk.

Special projects

Special Projects

Working capital can also be used to pay temporary employees or to cover other project-related expenses.

Get Started

Jump right in with an application.


Equipment for Business
Working Capital
Equipment for Municipality

Or Talk to us first


With so many lending institutions and types of programs, it can be difficult to make sense of what it best for your business. That is where Terrace Finance comes in. Let us know what you are trying to achieve and we’ll find you a solution.

John Papadopoulos

Commercial Team Leader

954-636-8571

johnp@terracefinance.com