John Bakalar - Ridgestone Capital - Equipment Financing

08/07/2026

Nationwide Direct Lender - Equipment Finance - Working Capital

🌐 https://ridgestonecap-johnbakalar.com/

06/18/2026

If you’ve never financed equipment with RidgeStone Capital, here’s what you’re missing.

💰 Rates from 4.99% APR for well-qualified buyers & dealerships
📆 Terms up to 84 months
💵 Financing up to $25 million
⬇️ Zero dollar down payment options available for qualified buyers
📋 Soft pull only — no impact to your credit
⚡ Approvals in as little as a couple of hours
No runaround. No weeks of waiting. Just a fast answer and a clear path forward once all info is submitted

Apply now & let’s see what we can do for you!

https://ridgestonecap-johnbakalar.com/

06/18/2026

The difference between 4.99% and 12% on the same machine? It comes down to how prepared you are walking in.

Swipe through to see exactly what lenders look at, and how to make sure your file is in the best possible position before you apply anywhere.

✅ Credit score: the single biggest driver of your rate. Know your number before you apply anywhere.
✅ Time in business: 2 or more years unlocks programs and rates that newer businesses simply can’t access.
✅ Clean credit history: the whole picture matters. Recent charge-offs cost you even if your score has recovered.
✅ Strong bank statements: consistent cash flow tells the underwriter you can handle the payment comfortably.
✅ Equipment from a dealer: a clean invoice means better collateral, which means better terms.
Walk in with all five and you’re in the driver’s seat.

Soft pull only. Rates from 4.99% APR. Approvals in as little as a couple of hours.

Save this for when you’re ready. 📌

06/17/2026

Most business owners think their equipment financing rate is out of their hands.

It's not.

Your rate is a direct reflection of how your file looks to an underwriter, and if you know what they're looking for, you can put yourself in a much stronger position before you ever apply.

I put together a breakdown of the 5 things that actually move the needle. If you have equipment on your radar this year, this is worth a read before you apply anywhere.

👇 Full article below.

Want the best rate on your next equipment purchase? Here are the 5 things lenders look at and how to use them to your advantage before you apply.

06/17/2026

Your rate isn’t random. Here’s exactly how lenders decide what to charge you.

✅ Credit score 700 and above: best rates available

✅ 2 or more years in business: unlocks better programs

✅ Clean credit history: no recent charge-offs or collections

✅ Strong bank statements: shows you can handle the payment

✅ Equipment from a dealer: better terms than private party

Check all five boxes and you’re in the best possible position before you ever apply.

RidgeStone Capital is a direct lender, ready to help get your business moving forward.

▪️Soft credit pull only.
▪️Rates from 4.99% for well qualified buyers
▪️Terms up to 84 months
▪️$0 down payment options
▪️Up to 6 months deferred payments

06/16/2026

💰This $2,100 monthly payment makes them $28,000 a month.

Let me break that down.

A contractor came to us needing an excavator. Had the work lined up, just didn’t have $120,000 sitting in the bank.

So we financed it. $2,100 a month. Soft credit pull. Approval the same week.

That excavator went straight to work. Two to three jobs a week: site clearing, grading, utility work, each billing $2,500 to $4,000.

By the end of month one, $28,000 in revenue. Payment was $2,100. He netted the difference.

This is why waiting to pay cash is the most expensive decision you can make. Every month you wait is a month that machine isn’t working for you.

The smart move is to make sure the equipment earns more than the payment, and get started as fast as possible.

🔥 Rates from 4.99% APR. Soft pull. Terms up to 84 months. We’re ready when you are.💪🏻

https://ridgestonecap-johnbakalar.com/

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06/14/2026

⚡️Section 179 could help your business keep more money where it belongs, working for YOU.

If you’re planning to purchase equipment this year, you may be able to take advantage of valuable tax benefits while getting the equipment you need to grow. Pair that with flexible financing from RidgeStone Capital, and you can preserve cash flow without putting expansion plans on hold.

Contact us today to learn about your equipment financing options.

Disclaimer: RidgeStone Capital does not provide tax, legal, or accounting advice. Section 179 eligibility and tax benefits vary by business. Please consult your tax professional or CPA regarding your specific situation.

SmallBusiness Contractors RidgestoneCapital

06/13/2026

🚜Financing your next equipment purchase doesn’t have to slow you down.

At RidgeStone Capital, you get fast, flexible funding from a nationwide lender that works with startups, established businesses, and all credit types.

Keep your cash working in your business, let us handle the financing.

*4.99% Rates for Well-Qualified Applicants & Dealerships.

06/12/2026

💰Did you know the equipment you finance could actually LOWER your tax bill?

—> Section 179 lets you deduct the full purchase price of qualifying equipment in the year it’s placed in service. That means instead of depreciating it over years, you write it off now.

Here’s what that looks like for your business:

🚛 Buy or finance a truck, excavator, or piece of heavy equipment
✅ Place it in service before year-end
📉 Deduct the full cost on your taxes that same year
you get the equipment your business needs, AND a major tax advantage to go with it.

At Ridge Stone Capital, we make the financing side fast and simple:

⚡Fast Approvals
💵Rates from 4.99% APR for well-qualified buyers
📋Soft credit pull only
📆Terms up to 84 months
🏗️ All credit profiles welcome

Ready to put your equipment to work AND keep more money in your pocket?

📞 949-570-9243
🌐 ridgestonecap-johnbakalar.com

✨ Always consult your tax advisor to confirm Section 179 eligibility for your situation.

06/11/2026

In this business, the guy who has the right equipment wins the bid. Simple as that.

If you’ve been waiting for the “right time” to add to your fleet, this is it. Equipment isn’t getting cheaper. Jobs aren’t slowing down. And approvals through Ridgestone Capital take as little as a few hours.

Here’s what contractors find out when they call us:

→ They qualified for more than they thought
→ Their credit score didn’t disqualify them
→ The monthly payment fit their cash flow
→ They could have done this months ago

Don’t let your competition out-equip you because nobody told you how simple this could be.

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