About Us2019-05-01T14:33:20-07:00

WHAT WE OFFER

Simply — Koala Capital offers three services:

Equipment Financing
Working Capital
Vendor Partnerships

We also offer a consultative no-pressure approach to find the right solutions that make the best sense for both you and your business.  No hard-sell – just sensible solutions with a consultative no-pressure approach to find the right financial products.

We work with you to understand your business, market, fluctuations and other factors that impact your business. We’re also careful to understand your business’ tax and cash flow requirements and desired residual rates (the value of leased equipment at the end of the lease term).

We make sure you’re clear about the number of payments, the total monthly payment due and any additional costs related to insurance, taxes and other charges. We’re upfront about any additional costs associated with the lease or finance transaction that may occur during the course of the agreement term.

INDUSTRIES SERVED

  • Restaurant

  • Hospitality

  • Hotel + Motel

  • Medical + Dental

  • Fitness + Gymnastics

  • Construction

  • Manufacturing + Fabrication

  • HVAC + Refrigeration

  • Buildout + Signage

  • Office Furniture

  • Trucking + Hauling

  • Catering Trucks + Trailers

  • All Business Vehicles

  • Landscaping + Snow Removal

  • Non-Emergency Transport

Koala Capital Group serves multiple industries, offering equipment finance programs and working capital solutions from $3k – $5mm to help your business grow and thrive. Our goal is to provide any sized business with carefully considered financial products and custom-tailored solutions that make the best sense for both the business owner and the business. 

Don’t See Your Industry? Contact Us!

ADVANTAGES OF EQUIPMENT FINANCING

Most Koala Capital programs require little or no money down to fund your equipment financing or working capital loan. Although the requirement is usually one payment down plus documentation, we also offer “skip payments” for qualified applicants to help defer the upfront costs when needed.

A cash reserve can help your business take on new growth opportunities or weather hard times, and should be sufficient for you to feel comfortable running your business. We suggest speaking to your CPA or financial adviser to determine the right amount of cash reserve for your business so as to not tie up cash that could be used for expansion, or potentially limit profits and growth.

Most business owners need to update their essential equipment every 3 to 5 years – some more frequently. Leasing your equipment instead of buying can often enable a business owner to acquire more and better equipment than would have been otherwise possible. Certain programs may also allow for technology upgrades and/or replacements within the term of the lease contract.

Koala is not permitted to give tax advice – therefore we recommend that our clients consult with their CPA or tax adviser about maximizing available financing tax incentives. For example Section 179 of the IRS Code was enacted to help small businesses by allowing them to  take a depreciation deduction for certain assets (capital expenditures) in one year, rather than depreciating them over a longer period of time. Taking a deduction on an asset in its first year is called a “Section 179 deduction”. Please discuss this and other tax incentives further with your CPA or tax adviser.

All businesses have fluctuations caused by external factors – for example the seasons, the economy, or staff availability. And most businesses update their essential equipment every 3 to 5 years. Financing your business equipment can therefore preserve capital and maintain cash flow in order to better plan for fluctuations and budgetary requirements.

Business credit takes time to build but may eventually open doors to greater amounts of capital in the future. Equipment financing and working capital can help to build your business credit profile. As with personal credit, strong business credit can lead to more favorable finance terms – it can help you get approved for a lease, business loan or business line of credit, and possibly help you to negotiate terms from vendors. 

FAQ

No you don’t need perfect credit to qualify — our credit model supports most credit scenarios. 

No large down payment is necessary — most of our contracts require little or no money down.

No problem! More than half of Koala’s customers are new business owners just starting out their new venture. We’re here to help.

Many of our customers take advantage of the tax opportunities available with equipment financing. We strongly recommend consulting your CPA or tax advisor early in the process of working with us, about your best options and tax strategy.

Yes — we will consider new or used equipment.

Most of our applications have an underwriting decision within 1-2 business days — and then a Finance Documents Package is typically forwarded to your email for signing the following business day!  

MEET THE FOUNDER

In addition to serving small business financing needs for over 20 years, Koala Capital founder Neil Clark has also started, managed, and owned restaurants for 30 years. He understands the hard work and challenges facing small business owners today and has himself used equipment financing and working capital products to start and grow businesses.

Neil and his team are industry leaders with decades of combined experience working with businesses of all sizes to provide the best solution for the business owner and the business.