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Asset finance

Equipment financing organized around the asset, operating need, and cash flow.

Equipment financing should connect the asset to the operating need, useful life, project timing, cash flow, existing debt, and broader capital plan. Asgard helps organize those facts into a lender ready request before potential options are reviewed.

Talk through fitRead common questions

Current mandate range

Transaction dependent

Who this is for

An asset finance conversation grounded in the equipment, operating need, and cash flow.

  • 01

    Businesses acquiring, replacing, or refinancing equipment tied to a defined operating need

  • 02

    Companies balancing an equipment purchase with working capital, existing debt, and cash flow priorities

  • 03

    Owners and CFOs with asset details, supplier information, and decision-maker access

How we approach it

Asset finance with capital stack context.

  1. 01

    Define the asset, supplier, use of funds, timing, and the operating objective behind the purchase.

  2. 02

    Review cash flow, existing obligations, asset value context, and the documents needed to support the request.

  3. 03

    Match the complete transaction to potential lender mandates by asset type, structure, company profile, and current underwriting criteria.

Build the stack

One capital decision should inform the next.

Explore adjacent funding paths and start with the program logic that may strengthen the overall request.

Operating capital

Working capital loans

Transaction capital

Private capital

Borrowing base finance

Asset based lending

Common questions

Clarity before a capital decision.

Every company, project, and lender mandate is different. These are practical starting points, not a financing offer or tax advice.

What can equipment financing support?

Equipment financing may be considered for qualifying machinery, technology, vehicles, or other business assets. Eligible assets, structure, term, collateral treatment, and lender requirements are transaction specific.

How does equipment financing fit the wider capital plan?

The equipment request should be considered alongside working capital, existing debt, cash flow, available equity, and any project incentives. The objective is to avoid treating the asset decision as separate from the operating plan.

Is equipment financing guaranteed once an asset is identified?

No. Asset details are only one part of the review. Financing remains subject to lender underwriting, documentation, credit criteria, and approval.

Start the conversation

Ready to map the funding route?

Use the funding brief to organize a discussion around the actual need, decision maker access, and current financial context.

Prepare a funding brief

Funding, engineered

Make the next capital decision with the whole stack in view.

Start with a no cost eligibility conversation and a clearer view of what may fit.

Check eligibility

Funding FAQ

Start with the questions that most often shape a grant, incentive, tax credit, or financing conversation.

Explore the full FAQ
What is the difference between a grant, a tax credit, and a loan?

A grant or incentive can be non dilutive support subject to a program’s specific terms. A tax credit may reduce a qualifying tax obligation under applicable rules. A loan is repayable financing that remains subject to lender underwriting and approval. Each source has different timing, documentation, and conditions.

Do small and medium sized businesses qualify for grants?

Some businesses may qualify when their project, location, ownership, industry, size, and planned use of funds match an active program. A grant is not automatic. The controlling funding notice and administering agency determine eligibility and timing.

What is a funding readiness review?

It is a structured review of the business goal, use of funds, financial position, project timing, operating cycle, available documents, and potential grant or incentive angles before a lender or program application is pursued.

Can grants and financing be used together?

They can sometimes be considered in one capital plan. A grant or incentive may change the size or timing of a financing need, while lenders and programs apply their own rules. The interaction must be reviewed for the specific company and transaction.

What does a lender ready funding package include?

The package usually starts with a clearly defined use of funds and may include financial statements, tax returns, debt details, accounts receivable information, forecasts, ownership information, collateral detail, and the business case for repayment. Requirements vary by lender and transaction.

Does Asgard USA lend money directly?

No. Asgard USA is an advisory firm. Financing is arranged only with appropriate lenders and remains subject to their underwriting, documentation, and approval process.

How does an SBA loan differ from a conventional business loan?

SBA programs support lending through participating lenders and program partners. The business still needs to meet applicable SBA and lender requirements, repay the financing, and complete the lender’s underwriting process. The suitable program depends on the use of funds and facts of the business.

Can a business claim a U.S. research credit for any innovation work?

No. Research credit eligibility is fact specific. It depends on the work performed, costs, records, tax position, and current federal and state rules. A qualified U.S. tax professional should review the facts and filing approach.