$0
To apply, ever
30+
Lenders in our network
24–48h
Typical answer time
1
Application does it all
Apply in 5 minutes
Tell us who you are, what you're buying, and how much you need. One short form, that's it.
The Process
Three steps to funded
We handle the hard work while you focus on your business. Here's how we make it simple.
We match you
We shop your deal across our lender network and come back with real options, not just one rate.
You get funded
Pick the offer you like, sign, and go. We stay with you until the money lands.
Industries
What We Fund
If it makes you money, we can fund it. We bridge the gap between your business and the lenders who can help you grow.
Trucks & Equipment
We fund new and used trucks, trailers, and heavy-duty equipment. Whether you're an owner-operator or a dealership, we shop your deal across our network until it lands with the right lender.
New Businesses
Startups with thin credit? We have lenders who say yes. We help brand-new businesses get their first funding without the credit hit.
Working Capital
Keep your business running with cash for payroll, inventory, and seasonal slowdowns. We provide the liquidity you need to keep your doors open.
Capital
From equipment to inventory, we fund the capital you need to keep your business growing and your team working.
Partnerships
Stop losing deals at the finance desk
Partner with Ebisu Capital to get your customers funded so deals don't die at the finance desk. We handle the funding, you close the deal.
Save deals you'd otherwise lose
Dedicated dealer fast lane
Fast answers with real updates
Become a Partner
Ready to streamline your financing? Fill out our dedicated dealer inquiry form and our partnership team will reach out within 24 hours.
Our Story
An End-to-End Commitment to Your Growth
Born at the dealership, Ebisu Capital was built to bridge the gap between ambition and capital. We witnessed firsthand how ready-to-work businesses were stalled at the finance desk. Today, we leverage an extensive lender network to champion your deal, ensuring that no business is left behind because of a single 'no.' Our mission is to navigate the complexities of commercial financing so you can focus on driving your business forward.
Quick Answers
Frequently Asked Questions
Does applying hurt my credit?
No — we only perform a soft pull on your credit history. This means your credit score stays perfectly safe during the pre-qualification process. A hard pull only happens later with your explicit permission.
What does it cost me?
Applying is 100% free. We are paid through the lender side of the transaction, so you don't pay any upfront fees. We will explain exactly how we are compensated before you sign any documents.
What if I've been turned down before?
That's why we exist. One 'no' just means that lender's box didn't fit. We shop your deal across our entire network of banks, credit unions, and specialty lenders until we find the perfect fit for your business.
How fast can I get funded?
Most applications receive answers within 24–48 hours. Many deals fund within the week, so you can move forward with your business and your plans without waiting months for a single lender to respond.
Solutions
Our Core Services
We bridge the gap between your business and the specialized lenders who can help you grow. One application unlocks our entire network.
Equipment Finance
Funding for new and used trucks, trailers, and heavy equipment with competitive rates from our specialized lender network.
Working Capital
Access the liquidity you need for payroll, inventory, or seasonal slowdowns without the wait times of traditional banks.
Expansion Loans
Scale your operations with term loans designed for growth. We find lenders who understand your industry and your vision.