Garland businesses buy equipment in different ways depending on the trade. Here is how four of them look at the same decision.
Apply Now →Garland is northeast of Dallas, in Dallas County with portions extending into Collin and Rockwall counties. It had 246,018 residents at the 2020 census, making it the third-largest city in Dallas County and the 13th most populous in Texas. It has access to downtown Dallas through two DART Blue Line stations and buses. Its business base is a broad mix of restaurants, trades, healthcare practices, retail and service firms.
The restaurant owner thinks in terms of service hours. A walk-in cooler is not a luxury; it is the difference between serving dinner and throwing out product. The owner compares repair against replacement, and wants to schedule any downtime between lunch and dinner or on the slowest day of the week. See the restaurants page.
The contractor thinks in terms of jobs. A trailer, a skid steer or a set of scaffolding opens up the ability to take on one more project at a time. The catch is that clients often pay in stages, so the owner buys equipment before the project's cash arrives. See construction funding.
A practice thinks in terms of patient scheduling. Diagnostic and treatment equipment affects how many patients can be seen in a day, and insurance reimbursement can take time. See healthcare funding.
A retailer thinks in terms of floor space and checkout speed. Displays, refrigeration cases and point-of-sale hardware raise sales per square foot, but only when inventory is also in stock. See retail funding.
Take the number from your vendor quote, add installation and delivery, add a cushion for the first few weeks of operation, and subtract what you can pay from cash without strain. The remainder is your request. Round up modestly rather than going back for a second round, and keep the quote on file for your own records.
All four buy before they earn, and all four have a date after which waiting costs money. We fund $25,000 to $5,000,000, in as little as 24 hours, from a five-minute application with a soft credit pull. Sole proprietors can apply. Start at the application page, or read about working capital, merchant cash advance, lines of credit, term loans and fast funding. Neighbors such as Dallas, Irving, Grand Prairie, Mesquite, Carrollton, Richardson, Rowlett and DeSoto face the same pressures.
Business owners in Garland who rely on foot traffic or commuter routes often plan equipment swaps around the quieter days of the week. A restaurant near a transit stop may schedule a refrigeration upgrade on a slow Tuesday; a shop may swap out its display cases the week before a seasonal push. That kind of scheduling only works if the cash is in hand ahead of the work, which is why timing, not just amount, belongs in the plan.
All of them. The common point is that equipment is bought before the revenue it supports arrives.
Yes. Sole proprietors can apply.
About five minutes and a soft credit pull.
$25,000 to $5,000,000.
In as little as 24 hours.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
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