Working Capital & Equipment Financing
Working Capital & Equipment Financing Structured for What Comes Next
The Foster Company helps established businesses access capital for working capital, equipment, inventory, payroll, expansion, and time-sensitive operating needs—structured around what the business needs to accomplish next.
What We Deliver
Capital Solutions to Move Your Business Forward
Whether you need to improve cash flow, purchase equipment, expand operations, or manage seasonal demand, we provide tailored financing solutions designed to support your business at every stage.
Working Capital
Cover day-to-day expenses, manage cash flow, and seize opportunities.
Lines of Credit
Flexible revolving lines to support your operations.
Equipment Purchase Financing
Finance new or used equipment to drive growth.
Equipment Refinance
Refinancing existing equipment to improve cash flow.
Inventory & Seasonal Capital
Finance inventory and manage seasonal demand.
Payroll & Operating Liquidity
Ensure your team is paid and your business stays strong.
Fleet & Technology Financing
Finance vehicles and technology to run efficiently.
Specialized Equipment
Solutions for industry-specific equipment and advanced needs.
Our Evaluation Framework
We Evaluate the Whole Business
Every business is unique. Our disciplined approach considers the key elements that drive strength, stability, and long-term success.
Business & Industry
We understand your market, industry trends, and competitive position.
Financial Performance
We analyze cash flow, profitability, and financial history.
Management & Operations
We evaluate leadership, team strength, and operational efficiency.
Existing Debt & Capital Structure
We assess your current debt, equity, and overall capital structure.
Collateral & Assets
We identify and evaluate assets and collateral available.
Purpose, Timing & Long-Term Strategy
We align financing with your short-term needs and long-term goals.
Financing Structures
Financing Structures We Offer
Choose from a range of financing options tailored to your goals, cash flow, and long-term growth strategy.
Revolving Working-Capital Lines
Flexible lines to manage cash flow and daily operations.
Term Financing
Fixed-term loans for equipment, expansion, and more.
Equipment Financing
Acquire the equipment you need to grow and compete.
Equipment Refinance
Refinance existing equipment to improve cash flow.
Asset-Based Financing
Leverage assets to unlock the capital you need.
SBA 7(a), Where Applicable
Government-backed financing for working capital and equipment.
Conventional Financing
Competitive conventional loans with flexible terms.
Financing Connected to a Larger Acquisition or CRE Transaction
Capital solutions aligned with your strategic objectives.
Financing Process
Our Proven 6-Step Financing Process
From initial review through underwriting and closing coordination, each stage helps organize information, clarify requirements, and maintain momentum toward the next milestone.
- 1
Understand & Align
We learn your goals, challenges, and financing needs.
- 2
Evaluate & Structure
We analyze your business and design the right financing solution.
- 3
Prepare & Position
We prepare a compelling package and position your opportunity.
- 4
Lender Engagement
We present to our lender network and manage the process.
- 5
Negotiate & Close
We negotiate terms and guide you to a successful closing.
- 6
Ongoing Partnership
We remain a resource as your business continues to grow.
Get Started
What We Need to Get Started
To help us evaluate your financing request efficiently, we’ll need a few key business and financial documents. Providing this information upfront allows us to recommend the most suitable financing solution and move your application forward quickly.
- Business overview and history
- Requested amount
- Purpose and use of funds
- Year-to-date financial statements
- Business tax returns (3 years)
- Business bank statements (3–6 months)
- Debt schedule
- Ownership structure (20%+ owners)
- Equipment quote, invoice, or specifications
- Equipment age and condition (when applicable)
Transactions
Recent Working Capital & Equipment Financing Transactions
Selected transactions show how the business, its cash flow, collateral, existing debt, working capital needs, and timing may come together within a complete financing structure.
Working Capital & Equipment Financing
Equipment Financing
$850,000
Heavy Equipment Purchase
- Industry
- Construction
- Location
- Phoenix, AZ
Financing for the purchase of heavy equipment to support project expansion and operational efficiency.
View Transaction
Working Capital & Equipment Financing
Fleet Financing
$1,250,000
Fleet Expansion Financing
- Industry
- Transportation
- Location
- Dallas, TX
Financing for fleet expansion to increase delivery capacity and meet growing demand.
View Transaction
Working Capital & Equipment Financing
Working Capital Line
$500,000
Revolving Line of Credit
- Industry
- Wholesale Distribution
- Location
- Chicago, IL
Revolving line of credit to manage cash flow and support day-to-day operations.
View Transaction
Working Capital & Equipment Financing
Equipment Refinance
$750,000
Equipment Refinance
- Industry
- Manufacturing
- Location
- Columbus, OH
Refinanced existing equipment to reduce payment and improve working capital.
View Transaction
Chris Foster
Founder & Principal
Founder & Commercial Real Estate Broker
Experience That Sees the Whole Opportunity
Chris Foster founded The Foster Company around a clear conviction: financing should be structured for the opportunity ahead—not forced into a predetermined product.
His approach brings the business, property, financing, liquidity, ownership objective, cash flow, timing, and long-term strategy into one view. That opportunity-first perspective helps business owners, buyers, investors, and referral partners make clearer decisions and navigate complex transactions from initial review through closing coordination.
The Foster Company
Chris Foster, Founder
California Real Estate Broker · DRE #01406083
Experience That Sees the Whole Picture
Proven Experience. Nationwide Reach.
With over 20 years of California-licensed commercial real estate experience, Chris Foster evaluates every deal with a comprehensive approach—analyzing cash flow, liquidity, equipment, debt, timing, and long-term strategy to structure financing solutions that create lasting value.
20+ Years
California-Licensed Commercial Real Estate Experience
$350M+
Commercial Real Estate Transactions Facilitated
50 States
Nationwide Reach Across All 50 States
Insights & Resources
Expert Insights to Help You Make Smarter Financing Decisions
Stay informed with practical articles, industry insights, and financing strategies designed to help business owners strengthen cash flow, secure capital, and make confident financial decisions at every stage of growth.
Working Capital Solutions: How to Strengthen Cash Flow
Learn how flexible working capital solutions can help improve cash flow, manage expenses, and support business growth.
Read Article
Equipment Financing vs. Leasing: What’s Right for You?
Compare equipment financing and leasing to determine which option best fits your business, cash flow, and growth plans.
Read Article
5 Ways to Use Capital to Grow Your Business
Explore five strategic ways businesses can use financing to invest in equipment, operations, expansion, and long-term growth.
Read Article
Working Capital & Equipment Financing FAQs
Clear Answers Before the Next Move
Direct answers about working capital and equipment financing, what the funds can be used for, collateral and credit considerations, timing, and what happens after an opportunity is submitted.
What types of businesses do you provide working capital financing for?
We work with established businesses across a range of industries — the transactions on this page span construction, transportation, wholesale distribution and manufacturing. What matters more than the sector is that the business has an operating history, financial statements we can review, and a clear use for the funds.
How quickly can I access funds?
Timing depends on the structure and on how complete the information is when we begin. The process moves from understanding your goals through evaluation and structuring, packaging, lender engagement, and closing coordination. Having the documents listed above ready at the outset is the single biggest factor in keeping it moving.
What can working capital be used for?
Day-to-day expenses, cash flow management, payroll and operating liquidity, inventory and seasonal demand, and seizing opportunities as they arise. Where the need is an asset rather than liquidity, equipment purchase, equipment refinance, and fleet and technology financing are structured separately.
Do you provide financing for startups?
Our evaluation weighs financial performance, existing debt and capital structure, collateral, and management alongside the business and its industry, so most structures suit businesses with an operating history. Where a newer business has strong collateral or a defined equipment purchase, it is still worth submitting the opportunity so we can review it properly.
How much capital can I borrow?
There is no single figure. The amount is shaped by cash flow, available collateral, existing debt, and the purpose of the funds. The transactions on this page range from a $500,000 revolving line of credit to $1,250,000 for fleet expansion.
Can different financing sources be combined within one strategy?
Yes. A revolving working-capital line, term financing, equipment financing and asset-based financing can sit alongside one another, and financing arranged here can be connected to a larger acquisition or commercial real estate transaction.
Can I finance used equipment?
Yes. Equipment purchase financing covers both new and used equipment, and equipment you already own can be refinanced to improve cash flow. We ask for the quote, invoice or specifications, and for the equipment's age and condition where it applies.
What are your typical terms?
Terms follow the structure. Revolving lines are designed around your cash-flow cycle, while term and equipment financing are fixed-term. In every case the structure is built around what the business needs to accomplish next rather than fitted to a predetermined product.
What credit score is needed to qualify?
There is no single threshold. Credit is one part of a review that also weighs financial performance, existing debt and capital structure, collateral and assets, management and operations, and the purpose and timing of the funds.
