Ironwood Finance is a bank-free alternative to traditional business lending.

We offer primarily short-term working capital (2 to 24 months) and private equipment leases up to 5 years. We base our approval process on your income, not your credit history. While banks are approving every 1 out of 10 applicants, we typically approve 9 our of every 10 applications submitted.


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  • Get Pre-Qualified

    Fill out the quick form below to get started. No SSN required!

Financing Options

Working Capital

Working capital is the cash-flow available for day-to-day business expenses, such as payroll, marketing, overhead, and inventory. It is vital to your business to maintain enough working capital to allow for growth. Our working capital financing allows for you to maintain operations and increase revenue without the ability to cover immediate expenses.

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  • Equipment Leasing

    Having the right equipment and technology is critical to running a successful business, but purchasing new equipment means losing precious working capital. That’s why 80 percent of American businesses choose to lease equipment instead of buying.

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  • Collateral Lending

    Many of our clients struggle with credit issues. One way we differ from banks is that we will finance based on your assets – truck titles, accounts receivables, payroll, inventory, and more. Get started today and talk to an Ironwood Lending Officer about your options today.

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The Ironwood Difference

Texas-Style Service

We’re here for you through every step of the process. Any questions? Call and talk to a real person immediately.

Simple Process

Just fill out our simple application, answer a few questions from an Ironwood Lending Officer, and you’re done!

Data Security

Ironwood uses advanced security measures to make sure your private information stays protected.

Huge Credit Window

We ahv ehte biggest credit window in the industry. If you’ve been turned down by the bank, we’re here to rescue you.

Quick Turnaround

We get deals done at lightning speed. Submit a quick application, and see cash in your bank account in 48 hours.

Invest in your business the Ironwood Way.

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Take your business to the next level.


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Take your business to the next level.

  • It only takes a moment to get pre-qualified.