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Frequently Asked Questions

for business owners or equipment vendors.

How do I make a payment?

You can make payments in several ways. We accept one-time ACH, monthly auto-ACH, credit card, phone payment, or check by mail.

Please note:

  • All credit card payments are subject to a 3% processing fee.
  • For phone payments, contact Customer Operations at (913) 341-0053, ext. 100
  • Online payments can be submitted at: https://cccpayments.powerappsportals.com
  • If paying by mail:
    • Make checks payable to: Commercial Capital Company
    • Mail to: Commercial Capital Company
      P.O. Box 1034
      Wichita, KS 67201 1034

When will my first payment be due?

Your first payment due date is outlined in your financing agreement (page 1 under Terms) and begins according to the payment schedule established at funding. If you are unsure of your first payment date, please contact your Sales Representative or reach out to Customer Operations for confirmation at:

(913) 341-0053, ext. 100

customeroperations@ccckc.com

How will I receive payment invoices?

Invoices are delivered via email from billing@ccckc.com. To ensure you receive all communications, please verify that Commercial Capital Company emails are not filtered into spam or junk folders. For questions regarding invoices or delivery preferences, please contact Customer Operations at:

(913) 341-0053, ext. 100

customeroperations@ccckc.com

What happens if my one-time ACH or monthly auto-ACH payment is rejected for insufficient funds (NSF)?

If an ACH payment is returned due to non-sufficient funds (NSF), Commercial Capital Company may attempt to process the payment again. A $40.00 fee will be charged each time a payment is returned due to NSF.

How do I change from monthly auto-ACH payments?

If you would like to discontinue monthly auto-ACH payments, you must notify Commercial Capital Company at least 10 days prior to your scheduled payment due date. To request this change, please contact Customer Operations at:

(913) 341-0053, ext. 100

customeroperations@ccckc.com

Once monthly auto-ACH payments are removed from your account, all future monthly payments must be made manually, either online (https://cccpayments.powerappsportals.com) or by contacting Customer Operations.

What happens if a payment is late?

Timely payments are important to keep your account in good standing. If a payment is not received by its due date, a late fee may be applied in accordance with the terms of your agreement. If the account remains unpaid for 60 days, it may be referred to our collection agency, Stuart-Lippman and Associates, Inc.

My payment has not been posted?

Please allow 3-5 business days for your payment to reflect on your account, depending on your payment method and financial institution. If the payment has not been posted after this timeframe, please contact Customer Operations at:

(913) 341-0053, ext. 100

customeroperations@ccckc.com

What happens if I’m charged or make a payment twice?

If you’ve made a double payment, we’re happy to help. Commercial Capital Company must first wait 3-5 business days for the original payment to clear before issuing a reimbursement. This standard waiting period ensures that the funds are successfully received and protects against returned payments.

Can I apply if I have an ITIN?

Yes, we encourage you to submit your application. A Commercial Capital sales rep will reach out to further discuss your application.

What states do we do business in?

We offer equipment financing in all 50 states for nearly any type of equipment, however we specialize in financing equipment for the industries found here.

Can I have multiple vendors on one deal?

Yes, we typically allow you to have more than one vendor on a lease. This means that you can lease equipment from multiple vendors and include them all under a single lease agreement. This can be beneficial if you need to acquire equipment from different vendors for your business operations.

When does the lease start?

When the equipment has been delivered and is operational. We will conduct a “verbal authorization” where you will instruct us to pay the vendor and commence the lease.

What is the turnaround time for financing my loan?

We aim for an approval time of 24 hours or less. This is very dependent on the information that you provide on your application. Please contact us for a full list of documents and information needed to finance your loan as soon as possible.

What factors are used to determine credit worthiness of the business?

Some common factors we reference include, but are not limited to: credit history, financial statements, business stability, collateral, industry and market conditions, and personal guarantees.

What kind of equipment do you finance?

We help businesses finance any new or used essential business equipment. Check out our industry focuses to see the wide variety of equipment we specialize in.

Do you sell equipment?

Yes, from vehicles to trailers, forklifts, and sweeper scrubbers Commercial Capital sells a variety of used equipment on site. Check out what’s in stock here.

Who finances heavy equipment in Kansas City?

Commercial Capital Company is a Kansas City-based lender specializing in heavy equipment financing. Commercial Capital helps construction, manufacturing, and transportation companies secure fast, flexible funding nationwide.

People also ask: What types of heavy equipment does Commercial Capital finance?

Commercial Capital vs a bank loan, what is the difference?

Banks often take 2–6 weeks, require 20 percent or more down, and use rigid credit formulas. Commercial Capital approves most deals within 24–48 hours, offers 0–20 percent down options, and evaluates your full business potential, not just credit scores. Because Commercial Capital focuses on equipment lending, the team understands asset values and industry cycles that many banks overlook.

People also ask: How is Commercial Capital different from online lenders?

How does Commercial Capital compare to other Kansas City lenders?

Unlike regional lenders that mainly offer short term loans, Commercial Capital provides multi-year financing with flexible repayment structures, serving more than 60 percent repeat clients who return for additional equipment needs.

Why do businesses choose equipment financing over cash purchases?

Financing preserves working capital and lets equipment pay for itself as it generates revenue. Example, a 100,000 dollar excavator that produces 30,000 dollars per year can be financed at about 2,000 dollars per month, keeping 100,000 dollars available for payroll, materials, or emergencies.

When should a business consider Commercial Capital for equipment needs?

When upgrading fleets, expanding capacity, replacing outdated machinery, or needing a fast decision to hit a project deadline.

What deal sizes and terms does Commercial Capital support?

Typical deals range from 25,000 dollars to 5 million dollars. Terms usually run 12–72 months, matched to useful life, cash flow, and project timing.

What are typical interest rates for equipment financing?

Rates vary by credit and collateral. Many clients see a range of 6–12 percent. Commercial Capital structures total cost of ownership, not just headline rates.

Can I get a quote without affecting my credit?

Yes. Commercial Capital can provide an initial quote and estimated terms using a soft credit inquiry and basic business information. If you choose to proceed, the team will confirm details and then run a hard credit pull with your permission.

What is the minimum credit score needed to qualify?

Many approvals begin around a 600 score, but Commercial Capital reviews the full profile, including cash flow, time in business, collateral, and industry trends.

How fast can Commercial Capital approve and fund a deal?

Most approvals occur within 24–48 hours after a complete application. Same day decisions are possible for standard requests.

Does Commercial Capital require a down payment?

Down payments typically range from 0–20 percent, depending on credit strength, equipment type, and age.

How long does a Commercial Capital approval last?

Approvals are generally valid for 90 days so rates, values, and terms remain current.

Does Commercial Capital do a hard credit pull?

Pre-qualifications use a soft pull that does not impact your score. A hard pull happens only after you review terms and give the go-ahead.

What problems does equipment financing solve for construction companies?

Financing avoids project delays, aligns payments to seasonal revenue, and supports multi-unit purchases or phased upgrades without straining cash reserves.

Does Commercial Capital finance electric or hybrid equipment?

Yes. Commercial Capital finances the purchase of electric and hybrid construction and material handling equipment as companies modernize their fleets.

Can Commercial Capital finance multiple units or fleet upgrades?

Yes. The team structures multi-unit, phased, and replacement schedules to keep operations moving.

Does Commercial Capital offer vendor programs?

Yes. Dealer partners can offer customers on-the-spot financing options that accelerate sales and improve close rates. Rebates, spiffs, and other incentives are also available for equipment vendors.

What do clients say about Commercial Capital?

Clients cite responsiveness, clear communication, and long term partnership value. More than 60 percent of clients return for additional financing.

How many businesses has Commercial Capital helped?

Over four decades, Commercial Capital has financed thousands of transactions across the United States for construction, manufacturing, transportation, sanitation, printing, agriculture, and more.

Is Commercial Capital licensed and regulated?

Yes. Commercial Capital follows applicable federal and state regulations for commercial lending and complies with fair lending and privacy requirements.

Does Commercial Capital refinance existing equipment loans?

Yes. Refinancing can reduce monthly payments, extend terms, and unlock working capital.

Should I wait to apply for equipment financing?

Delays can risk equipment availability, project timelines, and rate changes. Applying now helps lock current terms and delivery windows.

What happens if equipment prices go up during approval?

Commercial Capital can re-issue terms if vendor pricing changes. Keeping approvals current helps protect your timeline and budget.

Is Commercial Capital still actively lending in 2026?

Yes. Commercial Capital is actively funding equipment purchases in 2025 with expanded programs for fleet upgrades and sustainable equipment.

What is Commercial Capital’s outlook for equipment financing in 2026?

Demand remains strong in the construction, logistics, and manufacturing sectors. Commercial Capital is focused on flexible structures, faster decisions, and maintaining a relationship first mindset.

Can I get same day equipment financing in Kansas City?

For qualified applicants and standard equipment, yes. Contact Commercial Capital to confirm documentation needed for same day approval and funding.

Who can help me finance a bulldozer near me?

Commercial Capital finances bulldozers, loaders, dozers, and more for contractors in Kansas City and nationwide.

What is the best equipment financing company Kansas City?

Commercial Capital is recognized for fast approvals, flexible terms, and long term client relationships supported by more than 40 years in business.

Who leads Commercial Capital Company?

The company is led by CEO Mitch Rice, COO Jonathan Yount, and Vice President of Finance and Credit Seth Seely.

What industries does Commercial Capital specialize in?

Construction, material handling, manufacturing and fabrication, concrete and drilling, sanitation, agriculture, printing, and more.