California Equipment Finance
California TPO & Bank Partners

We Finance the Deals Banks Won't.

California Equipment Finance delivers equipment financing programs for your small business customers — especially the ones traditional lenders pass on. Established businesses up to $500K. Start-ups welcome up to $300K.

Become a Partner View Programs
Established Businesses
Up to $500,000
2+ years · 600+ FICO · FMV True Lease
Start-Up Program
Up to $300,000
0–2 years · 650+ FICO · All CA Industries
Same Day Approvals
Within 24 Hours
Complete package submitted by 11 AM Pacific
Enabling the American Dream for CA Businesses
California Finance Lenders License #603D039
Powered by Innovative Lease Services, Inc.
30+ Years of Direct Lending
California Exclusive
Our Partners

Built for the TPO Community

CEF was designed specifically for brokers, banks, and credit unions who need a reliable California equipment finance partner — especially for deals that fall outside conventional credit boxes.

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Lease Brokers & TPOs

Submit deals, earn commissions, and offer your clients a California-focused lender who finances what the big banks won't. White label programs available to enhance your brand.

Commission-Based White Label Available Same-Day Decisions
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Community & Regional Banks

Refer equipment lease transactions that fall outside your credit policy and keep the client relationship. We handle underwriting, documentation, and funding.

Referral Programs Retain the Relationship No Overlap with Deposits
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Credit Unions

Expand your member lending capacity with a trusted equipment lease partner. Serve small business members who need equipment financing beyond your current product set.

Member Business Lending Equipment Focus CA Compliant
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White Label & Vendor Programs

Offer equipment financing under your own brand. CEF operates as the silent back-end lender — you retain full client ownership and we handle underwriting, documentation, and funding.

Your Brand Custom Vendor Programs Silent Lender
Why Partner With CEF

The Lender That Stayed

While major lenders exited California, we doubled down. We see opportunity where others see obstacles — and we built programs to prove it.

01

Start-Ups Welcome

We finance businesses under 2 years old — restaurants, food trucks, trucking operators, and more — where traditional lenders won't go.

02

California Exclusive

100% California focused. We understand the CA regulatory environment, the market, and the businesses that make this state run.

03

100% Funding

We can finance all of your equipment needs, even the soft costs like tax, shipping, installation, and more — no out-of-pocket surprises for your clients.

04

Same-Day Approvals

Submit a complete package by 11 AM Pacific and receive a credit decision the same day. No waiting, no chasing underwriters.

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White Label Programs

Offer equipment financing under your own brand. We operate as the silent back-end lender while you retain full client ownership.

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30+ Year ILS Heritage

Built on the foundation of Innovative Lease Services, Inc. — a California direct lender with over three decades of equipment finance experience.

Financing Programs

Programs That Fit Every Client

All programs are FMV True Leases. California businesses only. Equifax soft pull. Bank statements required. Minimum $10,000.

Established Business

Existing Business Program

$500,000 max
  • 2+ years in business and operations
  • 600+ FICO / CBR Score
  • Almost all California industries accepted
  • Equifax soft pull · Bank statements required
Start-Up Business

Start-Up Program

$300,000 max
  • 0–2 years in business
  • 650+ FICO / CBR Score
  • 15%–40% down payment depending on credit
  • Restaurants, food trucks, concession trailers OK
  • Fitness studios, gyms & wellness centers welcome
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Trucking

Long haul: 2+ yrs or 30% down. Local & titled: standard programs apply. ITIN: 50% sec. deposit required.

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Food Service

Start-up restaurants, food trucks & concession trailers accepted. 15–40% down varies by credit.

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Fitness & Wellness

Gyms, studios, spas & personal care. Equipment financing for all types of equipment for new and existing locations.

Construction

Contractors, excavators, cranes, lifts & specialty equipment. Established and start-up contractors financed.

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Same-Day Approvals

Complete package submitted before 11 AM Pacific. Credit decision same day. Funding in 1–3 weeks.

Preferred Industries

We Finance Almost Every CA Industry

Not all-inclusive — contact CEF for any industry not listed. If it's California and it's a business, there's a good chance we can help.

🚜 Construction
🚌 Passenger Transport
🔧 Auto Repair
🚚 Trucking (Local & Long Haul)
🪝 Towing & Recovery
💪 Fitness & Wellness
⚓ Drayage / Port Services
🍔 Restaurants & Food Service
🚑 Medical & Private Ambulance
🦷 Healthcare & Dental
🧺 Commercial Laundry
🌿 Landscaping
🚽 Portable Toilet & Office Rental
🚧 Construction Signage
✂️ Beauty & Personal Services
🌾 Agriculture (Central Valley)
🏭 Manufacturing & Fabrication
🍕 Food Trucks & Concession
🚗 Auto Fleet Services
🔩 Machine Shops
Submitting a Deal

Simple. Fast. Done.

Three steps from submission to funded. Complete packages submitted before 11 AM receive same-day credit decisions.

1

Submit the Application

Send the completed credit application with supporting docs — proof of ownership, SOS filing, bank statements — to credit@CaliforniaEF.com or via our partner portal.

2

Credit Decision

We pull Equifax (soft pull only), review the package, and issue an approval with terms — often the same day. Stips are clear and minimal.

3

Docs & Funding

Request documents via docrequest@CaliforniaEF.com. Enrollments typically approved in 5–7 business days, funded in 1–3 weeks from signed documents.

Get In Touch

Ready to Partner With CEF?

Reach out to start the onboarding process. You'll need a current California Finance Lender or Broker License to receive commissions. We'll get you set up fast.

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Contact info@CaliforniaEF.com
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Phone 800-438-1470
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Office 2382 Faraday Ave, Suite 160 · Carlsbad, CA 92008

Partner Inquiry

Tell us about your business and we'll reach out within one business day.

Legal

Privacy & Terms

Innovative Lease Services, Inc. dba California Equipment Finance is committed to protecting your privacy. Our complete privacy and terms policies are maintained on our parent company site and are always current.

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Terms of Use & Privacy Policy
Our general terms of use and privacy practices governing use of our services and websites.
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California Privacy Information
CCPA/CPRA rights and disclosures for California residents, including your right to know, delete, and opt-out.
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Online Privacy Policy
How we collect, use, and protect information gathered through our websites and digital services.
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Do Not Sell My Personal Information

To disable the sale of your information to third parties, click Submit.

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To opt in to SMS messages from our agents, text "Subscribe" to 760-438-1470

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These policies apply to Innovative Lease Services, Inc. dba California Equipment Finance and all services offered through CaliforniaEF.com. For privacy questions contact info@CaliforniaEF.com or call (800) 438-1470.