What is Evolve Capital Finance App?

Evolve Capital Finance helps businesses secure funding faster. Our technology-driven process keeps your deal moving so you can focus on growth.

How long does the whole thing take?

About five minutes to apply. Most complete files get a pre-qualified amount the same day, and once the terms are signed we pay your vendor and they release the equipment. The two things that set the clock are how complete your file is and your vendor or builder’s delivery date. It is not a weeks-long bank process.

What is the process, step by step?

Apply online (about five minutes). We run a soft credit pull and come back with a pre-qualified amount and a monthly payment. You get the terms in writing. Then you e-sign and we pay the vendor or builder directly. Every step shows in your borrower portal, so you can see exactly where you stand without calling anyone.

What do you need from me to get started?

Legal business name, address, EIN, your ownership details (name, date of birth, SSN and home address for the credit pull), what you are buying, the amount, and the vendor or builder if you already have one. For deals under $250,000 the one-page application is usually all we need.

Does applying hurt my credit?

No. Pre-qualification uses a soft credit pull, which has no impact on your credit score.

Do I have to put money down?

Most of our deals close with little or nothing down. A larger down payment usually improves both your rate and your approval odds.

How does the financing actually work?

You finance the equipment and make one fixed monthly payment, the same way you would on a truck note. It comes three ways: an equipment loan you own at the end, a $1 buyout lease, or a fair-market-value lease with a lower payment and an upgrade option at the end. We tell you which one fits before you sign anything.

Can I finance a food truck?

Yes. New or used trucks, the kitchen build-out, generator, wrap and POS can go into a single agreement with one payment. Food truck packages commonly run $50,000 to $150,000 depending on the truck and the kitchen build; smaller and larger deals are reviewed case by case.

How long does a food truck take, start to keys?

Faster than most people expect, because the financing runs alongside the build instead of after it. You apply and get pre-qualified first, we pay the builder a deposit so the build starts, and the balance goes to the builder on delivery. The builder sets the delivery date; our side is days, not weeks.

What would a food truck payment look like?

As an example, an $85,000 truck and kitchen build with 10% down over 60 months comes out to roughly $1,720 a month for a 680–719 credit profile. Run your own numbers on the payment calculator. Estimates only; final terms come from underwriting.

Can I use my own dealer or builder?

Yes. You pick the vendor, manufacturer or builder and the equipment; we pay them directly once your documents are signed.

Can I write it off this year?

Often, yes. Under Section 179, qualifying equipment placed in service by December 31 can usually be deducted this tax year, even when it is financed. Confirm the treatment with your tax advisor.

Equipment Financing Calculator

Estimate your monthly payment in seconds. Adjust the equipment cost, down payment, and term to see what fits your cash flow — then pre-qualify without impacting your credit.

Cost of equipment$75,000

$10K$1M

Down payment10%

0%30%

Term

Credit profile

Estimated monthly payment

$1,519/mo

Amount financed: $67,500
Term: 60 months

Pre-qualification does not impact your credit score.

Section 179 Tax Savings. You may be able to deduct the full purchase price of qualifying equipment in the year it's placed in service. Talk to your tax professional to see what you qualify for.

Estimates only. Final terms depend on credit review, equipment type, and time in business.

Your information is protected by 256-bit encryption and handled under our Privacy Policy.

How rates are set

Equipment financing rates depend on your credit profile, time in business, the age and type of equipment, and the term you choose.

Choosing a term

Longer terms lower the monthly payment but increase total cost. Most equipment finance agreements run 36 to 60 months.

Down payment

Many businesses qualify with little or no money down. A larger down payment typically improves your rate and approval odds.

What happens after you hit apply

The same four steps whether you are financing a walk-in cooler or a full food truck build. Here is how long each one takes.

Step 01
Apply online
About 5 minutes
Legal business name, address, EIN, your ownership details, and what you are buying with the amount. No paperwork to print, and it does not affect your credit score.
Step 02
Get a pre-qualified amount
Same day in most cases
We run a soft credit pull and review your file, then come back with a number and a monthly payment in plain English. If something is missing, we tell you exactly what and why.
Step 03
See the terms in writing
Right after you pre-qualify
Amount financed, monthly payment, term length, buyout and every fee on one page. You compare it against your cash flow before you commit to anything.
Step 04
Sign, and we pay your vendor
As soon as you sign
You e-sign and we pay your dealer or builder directly, then they release the equipment. Building something new? We can fund the deposit so the build starts now instead of later.

Financing a food truck?

New or used truck, kitchen build-out, generator, wrap and POS all go into one agreement with one payment. Example: an $85,000 build with 10% down over 60 months works out to about $1,720 a month at a 680–719 credit profile. Builders are usually paid a deposit so the build starts while the paperwork finishes.

Timeline, process and payment questions

What clients ask us on the phone, answered before you have to call.