Financing Services

Working Capital Loans

Unlock the equity in your equipment to obtain cash, enabling you to seize opportunities, fund business operations, and continue growing your business.

Cash For Operations
Flexible Terms
Expert Advice

Let’s Talk

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Cash For Operations
Flexible Terms
Expert Advice

WORKING CAPITAL LOAN SERVICES

Working capital loans that fits your operation

Working capital is essential for daily operations, but it’s also important for the growth and development of your business. We want your business to thrive. If you need additional cash to help your business grow, a working capital loan from CCG may be right for you.

And one key to working capital is the equity in your equipment. Your equipment works hard for you. Make it work even harder. CCG can help you utilize the equity in your existing equipment to unlock working capital, thereby funding opportunities.

CCG understands the pace and pressure of your industry. We meet you in person, get to know you, and learn your story. You get fast access to the capital needed to keep work moving and seize growth opportunities.

With CCG, your equipment isn’t just a line on the balance sheet. It becomes a source of cash and control, giving you the flexibility to keep work moving and the runway to grow.

KEY BENEFITS

Get funding from a source you may not have considered – your equipment.

Get practical funding tailored to your operation, allowing you to cover operational needs and pursue growth without losing momentum.

Fast Funding

Our team knows the equipment and your industry. We make decisions quickly, keeping you working.

Flexible Terms

We align payment schedules to fit your needs, so financing works with your operation.

Make Your Equipment Work Harder

Your equipment could hold the key to working capital.

In-Person, Industry-Savvy Support

Talk with a representative who meets you on-site, understands your equipment, and creates a plan that aligns with your business goals.

HOW IT WORKS

A simple path to working capital

Our process is simple and built around your timing. You get funding without delays or unnecessary complexity.

01.

Share your goals

Tell us your funding needs and provide us with your equipment list and associated debt schedules.

02.

Review equipment and cash flow

We assess your existing equipment and equity position to determine the amount of available working capital.

03.

Choose your plan

We present clear options and payment schedules that your business goals.

04.

Secure your loan

Sign the documentation and get funded quickly. Keep business on track by working with a financing partner that understands your world.

LET’S TALK

INDUSTRIES

Financing expertise for your industry

Industry knowledge speeds approvals and leads to better financing structures. Work with people who speak your language and know how your equipment and business cycles affect cash flow.

01.

Construction

Bridge contract payment delays or weather-related operation interruptions. Structure payments to match seasonal cycles.

02.

Manufacturing

Fund raw materials, tooling, or line improvements while equipment keeps running.

03.

Transportation

Working capital can be used for insurance, maintenance and repairs, taxes, tags and title costs, and other expenses associated with running a trucking fleet.

04.

Waste

Unlock cash for route acquisitions, equipment repairs, or marketing programs. Work with a team that understands compaction cycles and route density economics.

Construction

Bridge contract payment delays or weather-related operation interruptions. Structure payments to match seasonal cycles.

Manufacturing

Fund raw materials, tooling, or line improvements while equipment keeps running.

Transportation

Working capital can be used for insurance, maintenance and repairs, taxes, tags and title costs, and other expenses associated with running a trucking fleet.

Waste

Unlock cash for route acquisitions, equipment repairs, or marketing programs. Work with a team that understands compaction cycles and route density economics.

RESOURCES

Information to guide your financing decisions

Confident choices start with the right information. These resources help you compare options, plan ahead, and move forward with the right financing for your business.

Let’s Talk

Apply Now

Working Capital Solutions at CCG

CCG provides working capital loans through equipment refinancing, to provide cash out for business-related expenditures.

Our industry professionals look at the whole picture and tailor solutions to your business.

We provide valuable insight on working capital solutions, that conventional lenders may not be able to offer, which are often used for:

FUNDS FOR BUSINESS SUPPORT

Repairing or upgrading equipment
Material purchases
Outstanding accounts payable
Taxes, tags and title, insurance expenses
Daily operating expenses

FUNDS FOR BUSINESS GROWTH

Purchasing land or a facility
Acquiring other businesses
Purchasing additional equipment
Marketing campaigns
Expanding business operations

Cash-Out Refinancing

If you’re in the construction, manufacturing, transportation, or waste industries, you may be able to secure a working capital loan and unlock equity in your existing equipment.

If your company needs money for cyclical cash flow or growth opportunities, our cash-out refinancing option serves as a fast funding solution.

Using Equity for Working Capital

Did you know the equity from your equipment can be used for more than just resale or trade-in value?

With working capital, your equipment assets can be used as collateral for new loans to support business growth. This involves refinancing your existing equipment loans and using the equity in that equipment to obtain working capital.

Your equipment will work for you, and you’ll get the funds you need to put into your business.

Managing Cash Flow in a Seasonal Business

We understand the challenges your business may face due to seasonal fluctuations.

Construction industry projects are often held up by weather and project funding issues. Additional cash flow can help sustain productivity by funding payroll, materials, and accounts payable when it seems business is at a standstill.

Whether you’re experiencing seasonal difficulties or accelerated growth, CCG may have a custom financing solution for you.

Our dedicated team is comprised of local representatives who are experts in your industry and will get to know your business from the inside out. They work alongside loan specialists whose main focus is structuring a working capital loan that meets your specific business needs.

WHY COMMERCIAL CREDIT GROUP?

We’re not your traditional heavy equipment lender. We back your vision and your growth from day one.

More About Us

01.

We see the whole picture.

We look at your character, cash flow, and equipment—not just your credit score—so you get flexible funding tailored to your unique situation.

02.

We know how you work.

We meet you on-site, speak your language, and understand your equipment, so every financing plan reflects the way your business actually runs.

03.

We build plans around your goals.

From new equipment to refinancing or working capital, we create financing that supports your goals, your cash flow, and your growth timeline.

04.

We’re ready when you need us.

Whether you need $50,000, $10 million, or something in between, we give you the ability to secure equipment, win contracts, and keep work moving when timing matters most.

05.

We show up when others walk away.

Regardless of industry and economic cycles, we stay engaged with funding and support so you can keep moving forward even when other lenders pull back.

06.

We’re here for the long haul.

Most of our customers come back again and again because the financing works, the relationship runs deep, and our trust grows stronger every year.

More About Us

TESTIMONIALS

Commercial & Residential Landscaping Company in Illinois

“The level of customer service was exceptional. Beyond that, my rep's knowledge of equipment and financial options available to me was impressive. I would recommend him without hesitation.”

Commercial & Residential Landscaping Company in Illinois

“The level of customer service was exceptional. Beyond that, my rep's knowledge of equipment and financial options available to me was impressive. I would recommend him without hesitation.”

CASE STUDY

View All Success

Equipment Refinance Provides Working Capital to Bridge Cash Flow Gap

Seasonal slowdowns didn’t stop this company. Discover how working capital financing helped bridge timing gaps and support steady business growth.

Read Story

View All Success

FINANCING RESOURCES

Resources to help you grow on your terms.

Plan ahead with practical tools and expert tips that help you secure the right financing for your business

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Finance Calculators

Easy-to-use tools to estimate payments, compare terms, and plan financing that fits your business.

Section 179 Calculator

Estimate tax savings on equipment purchases

Equipment Financing Calculator

Estimate monthly payments for financed equipment

OFFERS

Checklists

Step-by-step tools to help you plan financing decisions and keep your business moving forward.

OFFERS

Whitepapers & Guides

In-depth resources with industry insights and strategies for smarter equipment and capital financing decisions.

VIDEOS

Video Library

Quick, expert-led videos explaining financing options, industry trends, and tips to grow your business.