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Lender profile

Balboa Capital

Bank Checked Sep 30, 2026
Balboa Capital, a division of Ameris Bank, offers equipment financing and leasing, short-term small business loans, and SBA 7(a) and 504 loans. Its standard equipment financing asks for a 640 FICO score and 2+ years in business, while its small business loans ask for a 620 FICO score and 1 year in business.
Visit equipmentfinance.amerisbank.com Compare with similar funders
Heads up. balboacapital.com now redirects to Ameris Bank Equipment Finance, where Balboa Capital is described as a division of Ameris Bank. Personal guarantees are required for equipment financing and from 20%+ owners on SBA loans.

The open book

What Balboa Capital publishes, and what it doesn't

5 of 9 things a business owner needs to compare offers are on its website.

Published

Amounts
$20K–$5M
Minimum credit score
620+
Minimum time in business
6 months
Minimum monthly revenue
Not published
Speed, in its words
Same-day funding available, if approved

The ledger

  • Funding amounts
  • Minimum credit score
  • Minimum time in business
  • Funding speed
  • Term length
  • Minimum revenue Not published
  • Price (rate or factor) Not published
  • Fees Not published
  • Excluded industries Not published
Loosest published figure across its products, from its own website. Details by product below.

By product

Balboa Capital's products, as published

Open “Sources” under any product to see the exact wording and the page it came from.
Price not published
Amounts
Not published
Price
Not published
Term
24–60 months
Repayment
Monthly
Minimums
Credit 640+ · Time in business 6 months · Revenue n/p
Speed
Same-day funding available, if approved
Personal guarantee
Required
Sources (9)
Price not published
Amounts
$400K–$5M
Price
Not published
Term
120–300 months
Repayment
—
Minimums
Credit n/p · Time in business n/p · Revenue n/p
Speed
Close to 90 days for most requests
Personal guarantee
Required
Sources (8)
Price not published
Amounts
From $20K
Price
Not published
Term
3–24 months
Repayment
Variable
Minimums
Credit 620+ · Time in business 1 year · Revenue n/p
Speed
Same-day funding available, if approved
Fees
No prepayment penalty. No other fee is published.
Sources (10)

Similar funders

Funders offering the same products

Big Think Capital

Broker
$10K–$5M550+ creditPrice published

BlueBridge Funding

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$50K–$200K550+ creditNo price

BriteCap Financial

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$5K–$5M550+ creditNo price

Clarify Capital

Broker
$5K–$5M500+ creditPrice published

Credibly

Direct funder
$5K–$10M550+ creditPrice published

Expansion Capital Group

Direct funder
$5K–$500K500+ creditNo price

Pages we read

  1. https://equipmentfinance.amerisbank.com/
  2. https://equipmentfinance.amerisbank.com/equipment-financing/
  3. https://equipmentfinance.amerisbank.com/business-equipment-leasing/
  4. https://equipmentfinance.amerisbank.com/small-business-loans/
  5. https://equipmentfinance.amerisbank.com/sba-loans/
  6. https://equipmentfinance.amerisbank.com/franchise-financing/
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