# NFS Capital

Source: https://businessloanbroker.ai/lenders/nfs-capital/
Site: BusinessLoanBroker.ai (powered by Levr)

> NFS Capital finances $150,000 to $20 million plus of equipment and asset backed loans for businesses banks decline, with decisions in 24 to 48 hours.

NFS Capital is an independent equipment finance and asset backed lender in Beverly, Massachusetts, that calls itself a story lender. It funds small and middle market businesses in the US and Canada that banks will not underwrite, with equipment leases and asset backed loans from $150,000 to $20 million or more and credit decisions in 24 to 48 hours.

## Key facts
- **Products:** Equipment financing, asset based lending
- **Funding range:** $150,000 to $20,000,000 or more
- **Repayment:** Fixed term leases and asset backed loans; credit decisions in 24 to 48 hours
- **Security:** Secured by equipment and other assets
- **Operates in:** United States and Canada
- **Industries:** Construction, healthcare, industrial automation and robotics, IT, life sciences, manufacturing
- **Founded and headquarters:** 2006, Beverly, Massachusetts; rebranded from NFS Leasing in 2025

## What does NFS Capital offer?

NFS Capital offers [equipment financing](https://businessloanbroker.ai/business-loans/equipment-financing/) through fixed term leases and [asset backed loans](https://businessloanbroker.ai/business-loans/asset-based-lending/), from $150,000 up to $20 million or more. It is secured by the equipment and other assets, and the company underwrites the story behind the numbers, which is how it funds companies that fail a bank's ratio tests. It rebranded from NFS Leasing in May 2025 to reflect a broader financing and syndication scope. Its website is nfscapital.com, and it publishes more than $2 billion financed to date, as a company figure.

## Who does NFS Capital fund, and who do they decline?

NFS funds non investment grade small and middle market businesses in the US and Canada, in construction, healthcare, industrial automation and robotics, IT, life sciences and manufacturing. The typical customer has a real need for equipment and a credible plan, but a recent loss, a turnaround, high leverage or a short history that a bank will not look past.

It does not publish decline criteria. The $150,000 floor is the practical filter; a smaller equipment purchase belongs with a bank program or an online lender. A venture backed startup with no revenue history should compare [Camber Road](https://businessloanbroker.ai/lenders/camber-road/).

## What does it typically cost and how fast is it?

NFS does not publish rates or fees; pricing is quoted per file and will be higher than a bank's because it takes on the credit a bank declines. What it does publish is speed: credit decisions in 24 to 48 hours, which is fast for secured deals of this size. Our [equipment financing](https://businessloanbroker.ai/business-loans/equipment-financing/) page gives typical ranges by lender type, and our [lease versus buy](https://businessloanbroker.ai/compare/lease-vs-buy-equipment/) comparison helps you weigh the structure.

## What will you need to apply?

Bring the equipment quote or invoice and vendor details, two years of financial statements and interim statements, a debt schedule, bank statements, a short explanation of the story behind any weak numbers, and corporate documents. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the standard items; the narrative is the extra piece for a story lender.

## How does NFS Capital compare with similar lenders?

[Camber Road](https://businessloanbroker.ai/lenders/camber-road/) leases equipment to venture backed growth companies from its own balance sheet, with sizes set deal by deal, so it serves the startup end of the same no bank problem. [Ameris Bank Equipment Finance](https://businessloanbroker.ai/lenders/ameris-bank-equipment-finance/) is the bank route, cheaper for a strong borrower but stricter on credit. NFS sits between them: larger deals, faster decisions, and a willingness to underwrite a difficult story.

## How to apply

Apply once on this site and matching shows whether NFS Capital, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| NFS Capital | Equipment financing, asset based lending | $150,000 to $20,000,000 or more | United States and Canada | Non investment grade businesses needing equipment financing banks will not underwrite |
| Camber Road | Equipment leasing | Set deal by deal | United States and Canada | Venture backed growth companies needing equipment without equity |
| Ameris Bank Equipment Finance | Equipment financing, small business and SBA loans | Not published | United States | US businesses buying equipment, technology or vehicles through a bank |

## Questions and answers
**What does story lender mean?**

NFS underwrites the explanation behind your financials, such as a turnaround or a one time loss, rather than relying only on ratios. It is how it funds businesses that fail a bank's tests.

**How fast does NFS Capital decide?**

Credit decisions in 24 to 48 hours, as published. Funding follows once documents and the equipment purchase are finalized.

**Is NFS Capital the same as NFS Leasing?**

Yes. The company rebranded from NFS Leasing to NFS Capital in May 2025 to reflect a wider financing and syndication scope.

## Related
- [Camber Road](https://businessloanbroker.ai/lenders/camber-road/)
- [Ameris Bank Equipment Finance](https://businessloanbroker.ai/lenders/ameris-bank-equipment-finance/)
- [Equipment financing](https://businessloanbroker.ai/business-loans/equipment-financing/)
- [Asset based lending](https://businessloanbroker.ai/business-loans/asset-based-lending/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-nfs-capital
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)