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Balboa Capital

Listed
Equipment lessor for equipment financing and term loansCosta Mesa, CaliforniaBased in California; service area not yet provided
View 1 loan officer at this lender ↓
BBLL 000024Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Balboa Capital’s website now presents Ameris Bank Equipment Finance. Its current products include equipment financing, short-term business loans and SBA financing. Eligibility differs by product, and its business-loan page contains conflicting minimums that applicants should confirm.

Equipment lessor. Leases or lends against vehicles, machinery and other equipment.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Equipment financingTerm loansWorking capital loansSBA 7(a) loans
From the lender's own site and public records.

A second look at Balboa Capital

Balboa Capital’s website now presents Ameris Bank Equipment Finance. Its current products include equipment financing, short-term business loans and SBA financing. Eligibility differs by product, and its business-loan page contains conflicting minimums that applicants should confirm.

Balboa Capital is a division of Ameris Bank, according to the current website footer. The former balboacapital.com homepage redirects to Ameris Bank Equipment Finance. This is a bank division offering financing, not an independent broker or a separate alternative to Ameris Bank. Confirm the named creditor on the final agreement.

Published by Levr, not by Balboa Capital. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Equipment financing

Application-only amounts
Up to $500,000 for hard collateral; $350,000 for soft collateral.
Standard published minimums
Two years in business, $100,000 annual revenue and FICO 640; additional underwriting applies.
Newer businesses
Select programs may finance up to $50,000 for businesses operating six months to less than two years.
Equipment and terms
New or used equipment. The FAQ describes most deals as 24, 36, 48 or 60 months, depending on equipment and cost.
Guarantee and cost
Personal guarantees required. Rates are individually determined; no numeric rate or fee schedule is published on this page.

Provider sources: Current equipment financing program · Current homepage and division disclosure

Small business loans

Published range and repayment
$20,000–$250,000; three to 24 months; daily or weekly ACH payments. Larger requests require additional financial documentation.
Revenue requirement
$300,000 annual revenue.
Conflicting eligibility statements
The requirements panel says two years in business and FICO 640; the body and FAQ say one year and FICO 620. Confirm current criteria directly before relying on either.
Early repayment and pricing
The page states no prepayment penalty. It does not publish a numeric rate or complete fee schedule; request a payoff example to establish savings.

Provider sources: Current business-loan page; conflicting minimums

SBA financing

Programs
Advertises SBA 7(a) and 504 financing nationwide, with a headline range of $400,000–$5 million.
Qualification
For-profit U.S. businesses meeting SBA size and lender underwriting requirements. Do not apply the equipment-financing score or revenue minimums to SBA products.
Process
The provider says most requests take close to 90 days; actual timing and terms depend on the project and application.

Provider sources: Current SBA offering

When it may fit

Our assessment of the published programs

  • Editorial assessment: worth comparing for an established business buying new or used equipment that meets the published equipment criteria.
  • Editorial assessment: a newer business seeking no more than $50,000 could ask about the select equipment programs before applying.
  • Editorial assessment: the SBA offering merits a separate discussion for a larger expansion with time for a longer application process.

What to weigh carefully

  • Application-only limits describe documentation thresholds, not guaranteed approval amounts.
  • The small-business-loan page has inconsistent credit-score and business-age minimums; current eligibility remains unresolved.
  • Daily or weekly business-loan payments require a different cash-flow comparison from equipment financing.
  • Balboa and Ameris Bank belong to the same banking organization; counting both as independent quotes would overstate the comparison.

Questions before you accept an offer

  1. Which legal entity will fund and service my agreement?
  2. Which current eligibility rules apply to the exact product you are offering?
  3. What are all fees, total scheduled payments and the payoff amount after 12 months?
  4. Is the agreement a loan, lease or equipment finance agreement, and what happens to ownership at the end?
  5. Does my equipment qualify as hard or soft collateral, and which installation or other project costs are eligible?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Ascentium Capital

Compare Ascentium for equipment financing and healthcare-specific programs; confirm its underwriting and full contract cost.

Crest Capital

Compare Crest Capital for a separate equipment-finance quote, including early-payoff economics and documentation.

U.S. Bank

Compare U.S. Bank’s equipment agreement, especially if you are an existing customer eligible for its application-only process.

Published specialist programs

Medical equipment financing companies

Balboa division program now presented as Ameris Bank Equipment Finance.

Who it serves
Medical page publishes two years in business, $100,000 annual revenue and FICO 640 minimum; meeting minimums is not approval.
Published terms
Application-only hard collateral up to $500,000 and soft collateral up to $350,000.

Equipment covered: EKG machines, exam tables, vital signs monitors, medical office furniture and technology.

Our questions before you choose

Confirm the final quote, total payments, cash due at signing, guarantee requirements, early payoff and ownership terms.

Checked October 31, 2026. Medical program requirements

Dental equipment financing companies

Ameris Bank Equipment Finance offers a dental program for solo and group practices.

Who it serves
Dental page publishes two years in business, $100,000 annual revenue and FICO 640 minimum; additional criteria apply.
Published terms
Application-only hard collateral up to $500,000 and soft collateral up to $350,000.

Equipment covered: Dental lasers, digital X-ray equipment and intraoral cameras.

Our questions before you choose

Confirm the final quote, total payments, cash due at signing, guarantee requirements, early payoff and ownership terms.

Checked October 31, 2026. Dental program requirements and Balboa division disclosure

Laundromat equipment financing companies

Laundromat equipment program on the Ameris site retains Balboa division branding.

Who it serves
Published minimums: two years operating, $100,000 annual revenue, FICO 640. Approval depends on additional criteria.
Published terms
Application-only limits: $500,000 hard collateral; $350,000 soft collateral.

Equipment covered: Coin and soap machines, stack washers and other laundromat equipment.

Our questions before you choose

Confirm the final quote, total payments, cash due at signing, guarantee requirements, early payoff and ownership terms.

Checked October 31, 2026. Laundry program requirements and Balboa division disclosure

Other providers to compare

These providers publish information for at least one of the same financing needs. They are comparison options, not a ranked recommendation or evidence that you qualify.

Ascentium Capital

Compare dental equipment financing companies →

U.S. Bank

Compare dental equipment financing companies →

Dexter Financial Services

Compare laundromat equipment financing companies →

Eastern Funding

Compare laundromat equipment financing companies →

The lender

Type
Equipment lessor
Legal name
Not yet provided Add it
Founded
Not yet provided Add it
Charter
Not yet provided Add it
Headquarters
Costa Mesa, California
Service area
Based in California; service area not yet provided
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
balboacapital.com
LinkedIn
Company page

Loan officers at this lender (1)

Each loan officer here has a profile of their own.

MR
Michael RossiListedEnterprise Sales Manager
Loan officer. Listed from public records. Details fill in when Michael claims the profile.
Unclaimed
Los Angeles, CA

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