Here is the full process from application to funded equipment, including the parts other people tend to skip over.
A lender has one credit box. If your file fits it, you get an approval. If it doesn't, you get a decline, with no explanation of where else to go.
A broker works on your side of the table. We take one application, package it properly, and place it with the lenders most likely to approve your situation, then work to find you strong terms among them. You get the reach of the lending market through one point of contact.
That distinction matters most at the end, when an approval is sitting in front of you. An approval is an offer, and offers can be improved. Nobody should sign one without someone who knows what else was possible.
Jackson Capital is a licensed California finance broker. We arrange financing; we don't lend. That distinction matters, and we'll never blur it.
Apply once.
Our application collects your business information, owner information, and the details of the equipment you're acquiring. It is deliberately thorough, capturing up front what lenders will ask for anyway, so your file moves instead of stalling.
Soft credit pull.
With your written authorization, we review your credit using a soft pull. It does not affect your score, and no lender sees your file yet. This is where we give you an honest read on what is realistic for your profile, before anything is submitted anywhere.
Packaging.
We assemble your complete file: application, credit picture, equipment quote, and any supporting documents. Depending on deal size and lender, underwriting may want bank statements or tax returns. You send them to us once, and we handle every request from there, so you never repeat yourself to multiple lenders.
Placement and shopping.
We submit your file to the lender, or lenders, best suited to your ownership structure, credit profile, time in business, industry, and equipment. Where your file supports it, we look for competing terms rather than settling for the first approval.
Approval and disclosures.
Your lender issues an approval with complete written terms. California law requires specific commercial financing disclosures at this stage. They come from your lender, and we walk you through them so you know exactly what you are signing. Ask us anything.
Sign and fund.
You sign, the lender funds, and your vendor gets paid, often within a few days of approval. You take delivery of your equipment and get back to running your business.
Final rates, terms, timing, and credit decisions are determined by the lender. Jackson Capital USA LLC is a broker, not a lender.
Every file starts with the application alone. Depending on the lender and the size of the transaction, underwriting may also request:
If any of it is needed, you will hear it from us early, with the reason, and you will send it to one place, one time.
