SURV Financial
Equipment financing and larger business facilities from $10,000 to $5,000,000, shopped across a network of lenders so they bid against each other.
- Amounts
- $10,000 to $5,000,000
- Structure
- A lender network, so the deal is shopped rather than issued in-house
- Funding
- ACH in 24 to 48 hours once a deal is placed
- Built for
- Medical, dental, franchises, automotive, farming and technology
- Typical security
- The equipment or asset being financed
What SURV Financial actually is
SURV is a network rather than a lender, and understanding that is the point of this page. They hold relationships with banks, alternative lenders and commercial finance companies, and they take your deal to them. Nobody at SURV is deciding whether to lend you their own money. They are deciding which of their funding sources is most likely to want your deal, and on what terms.
For an equipment purchase or a larger project, that structure works in your favour. The asset secures the deal, which already makes the money cheaper than borrowing the same amount unsecured, and having several lenders look at the same file means terms come back competitive rather than take it or leave it.
The size range is what separates this from the rest of the page. Ten thousand dollars up to five million covers the hood system and the second location alike, and it runs well past the point where an advance stops being a sensible instrument. They work most often in medical, dental, franchises, automotive, farming and technology.
The honest limitation is that because each deal is placed with a different funding source, there is no single published rate sheet, term length or credit floor to quote you. Those arrive with the offer. What we can tell you up front is which lane your project belongs in and what the file needs to look like to be taken seriously.
How it works
Bring the project, not just a number
Real quotes, an equipment list or a defined project scope. A deal shopped to several lenders lives or dies on how specific the file is.
SURV places it with their network
The file goes to the funding sources most likely to want that asset class, rather than to one desk that simply says yes or no.
Offers come back and we compare them
This is the step that earns the structure. We read the terms side by side with you and translate the real cost into dollars.
Funded by ACH
Once a deal is placed, funding typically moves in 24 to 48 hours.
What SURV costs
Because each deal is placed with a different funding source, there is no single rate to publish here and we are not going to invent one. What we can describe is what moves the number and what a good offer looks like when it comes back.
How the price is written
It depends which funding source takes the deal. Equipment paper usually comes back as a rate and a term. Larger facilities vary more. We tell you which one you are looking at before you sign.
What drives your number
The asset itself does much of the work. Equipment that holds value and can be recovered prices better than a soft cost. Time in business and revenue matter, as always.
The tradeoff
Shopping a deal takes longer than clicking accept on an advance. In exchange the money is cheaper, the amounts run far higher, and more than one lender competes for you.
Where it beats the alternatives
For anything asset-backed, secured money should beat unsecured money of the same size. If it does not on the offer in front of you, that is a signal, and we will say so.
Bring us any offer you have already been given, including one from somewhere else. Putting two real offers side by side is the fastest way to find out whether the first one was any good.
This is the option owners reach for last and should often reach for first, because secured money against a real asset is cheaper than putting the same purchase on faster, unsecured paper.
The reason it gets skipped is that it takes longer and asks for a real file. When the purchase is an asset, spending the extra week is usually worth it.
We place working capital with more than one partner, so the recommendation follows your numbers rather than one funder's pitch. Bring us the offer you like, including one you found somewhere else, and we will put the real total cost of each side by side before you sign.
Who it fits
- Equipment purchases: ovens, vans, hood systems, chairs, imaging, machinery
- Larger projects that outgrow what an advance can sensibly carry
- Deals from $10,000 up to $5,000,000
- Medical, dental, franchises, automotive, farming and technology
- Owners who would rather have lenders bid than take the first offer
Who it does not fit
If you need cash in hand this week for payroll or a short bridge, shopping a deal is the wrong shape and Cash Buoy is faster. If the spend is modest and unsecured, a fixed-term loan through ARF is usually simpler and quicker to close.
We carry more than one option here precisely so we never have to push the wrong one on you.
SURV Financial, answered
Is SURV the lender?
No, and it matters. SURV places your deal with a network of banks, alternative lenders and commercial finance companies. The terms come from whichever funding source takes it, which is exactly why more than one gets to compete for you.
How big a deal can this handle?
From $10,000 up to $5,000,000, which runs well past where an advance stops making sense. The practical answer depends on the asset and on your numbers.
How fast is funding?
ACH typically moves in 24 to 48 hours once a deal is placed. The placement itself is the part that takes time, because that is where several lenders look at your file.
What credit score do I need?
There is no single answer, because each funding source sets its own bar. Rather than guess, we would rather look at your situation and tell you honestly whether this lane is realistic before you spend time on the file.
Does the equipment act as the collateral?
Generally yes on equipment deals, and that is what makes the money cheaper than borrowing the same amount unsecured. Larger facilities can be structured differently.
What do I need to have ready?
Real quotes or a defined project scope, plus recent business bank statements. A vague number gets a vague offer. A specific file gets lenders competing.
Not sure SURV Financial is the one?
Tell us what you are trying to do and we will walk the options with you, in plain dollars, before anything gets signed.