Balboa Capital

Balboa Capital is a division of Ameris Bank and now operates under the Ameris Bank Equipment Finance name; the Balboa Capital site redirects to equipmentfinance.amerisbank.com. It is a bank-owned business lender working with small and mid-sized companies nationwide.

Products cover equipment financing and leasing, commercial financing, working capital and unsecured business loans, and SBA loans from $400,000 to $5 million nationwide. It also runs equipment vendor financing programs, letting sellers offer financing at the point of sale, a franchise financing program, and a broker program. Applications are made online, and approved customers are assigned a single account manager as their point of contact.

The lender reports more than $8 billion funded to businesses nationwide and an A+ rating with the Better Business Bureau. It names middle-market companies, equipment vendors, and franchise owners as its core customers, and publishes equipment finance, business loan, and Section 179 deduction calculators.

Office hours are Monday to Friday, 7am to 4pm Pacific. Rates, terms, and credit criteria are not published and all loans are subject to credit approval, so ask for a full rate and fee schedule before signing.