Equipment leases are not only used by small business owners to obtain necessary equipment, but are also a way to secure financing for free and clear assets. It’s a creative form of financing, as banks are tight now with any business lending, including lines of credit. In some cases, equipment leases can be secured even with bad credit. The issue is that equipment Leases usually take time, as does any form of traditional financing. This time lost, is often compounded by declines. Working Capital Loans can fund in as fast as 1-2 business days. Some equipment costs less than can be financed through a bank or falls below minimum limits for equipment leases. Bank Account based small business loans can go as low as $3,000 to $5,000, and are often the best option for businesses or borrowers with bad credit.