Taycor Financial Review: Equipment & Working Capital (2026)
Taycor Financial isn't available on Finder right now.
- Max. Amount
- $400,000
- APR
- Varies
Our verdict
A nearly 30-year equipment and working capital lender that makes you call for rates and fees.
Taycor Financial is a licensed, long-running commercial lender built around equipment financing (vehicles, software, machinery, construction, medical/dental and agriculture equipment among them), business lines of credit, term loans and bridge loans. It uses a soft credit pull to check eligibility and says it can approve smaller equipment requests within two hours. Where it falls short is transparency: you won't find APRs, credit score minimums or fee schedules published anywhere on its site. You'll need to start an application or call to get real numbers.
Best for: Established or newer businesses that want equipment financing or working capital and don't mind getting pricing over the phone rather than upfront online.
Pros
-
Soft credit pull to check offers
-
Program exists for businesses under two years old
-
Equipment requests up to $150,000 approved fast
-
No monthly fee on lines of credit
-
100% equipment financing available
Cons
-
No APR or rates published anywhere on site
-
No credit score minimum disclosed
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No published loan amount maximums
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Fees and state availability not listed
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Not BBB accredited
Is Taycor Financial legit?
Yes. Taycor Financial has offices in Los Angeles, Irvine and Salt Lake City and has been part of business growth and development for nearly 30 years. The company was an early and voluntary adopter of California’s Department of Business Oversight Lenders License, licensed since 2004, and lists two active CA Licensed Finance Lender numbers (60DBO-64573 and 60DBO-96329) on its site.
Some customer complaints and Trustpilot reviews say Taycor only discloses interest rates by phone rather than in writing — worth asking about directly before signing anything.
What makes Taycor Financial shine?
- Soft credit pull. Applying won’t hurt your credit rating, so you can shop offers without a hard inquiry hitting your score.
- Fast equipment approvals. Taycor typically approves equipment financing requests up to $150,000 within two hours of receiving a one-page credit application.
- New business program. Companies open less than two years can still apply, even though most leasing programs otherwise require a minimum of two years in business.
- No usage requirements on lines of credit. Once you make the first draw, there are no ongoing usage requirements and no monthly service fee.
- Flexible end-of-lease options. Equipment leases can end with a Fair Market Value option, a $1 buyout or a 10% purchase option, so you can choose how you want to handle the equipment when the term is up.
Where Taycor Financial falls short
- No published rates. The site states that lease pricing depends on credit history, time in business, equipment cost, lease term and structure but gives no rate range or example APR.
- No credit score minimum listed. Nothing on taycor.com states a minimum credit score for any product.
- No published maximum loan amounts. Aside from the $400,000 no-tax-return approval threshold and the $150,000 fast-approval equipment tier, Taycor doesn’t publish top-end loan or lease amounts for its products.
- Fees aren’t spelled out. Origination fees, late fees and prepayment penalties aren’t listed anywhere on the site.
- Not BBB accredited, despite holding an A+ rating.
How Taycor Financial compares to other lenders
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Taycor Financial loan details
| Detail | Info |
|---|---|
| Minimum credit score | Not listed on its website |
| APR | Not listed on its website — leases are priced individually based on credit, time in business, equipment cost, term and structure |
| Loan amounts | Minimum lease transaction is $5,000; equipment requests up to $150,000 get fast-track approval; Taycor can approve transactions up to $400,000 with no tax returns required. No published maximum |
| Loan terms | Not listed on its website |
| Approval/funding turnaround | Taycor typically approves equipment requests up to $150,000 in about two hours of a one-page application; it can fund working capital in as little as one day |
| State availability | Not listed on its website (site describes itself as a nationwide lender) |
| Origination fee | Not listed on its website |
| Prepayment penalty | Not listed on its website — equipment leases can be paid off early |
| Late fee | Not listed on its website |
Taycor Financial contact info
| Phone | 800-322-9738 (general) / 800-747-9335 (finance professional line, shown alongside “Have questions?” prompts) |
| Customer service hours | Mon–Fri, 10 a.m.–7 p.m. ET / 7 a.m.–4 p.m. PT |
| info@taycor.com (general inquiries); customercare@taycor.com (customer service) | |
| X (formerly Twitter) | Not listed on its website |
| facebook.com/taycorfinancial |
How do you qualify for a Taycor Financial loan?
Taycor doesn’t publish a formal eligibility checklist, but its FAQ and product pages point to these requirements:
- At least two years in business for most leasing programs (a separate program exists for businesses under two years)
- A completed one-page credit application for equipment financing requests
- Business EIN, business/commercial bank statements and the applicant’s Social Security number for working capital requests
- Tax returns, financials and bank statements for larger or more complex financing needs
- Existing, well-qualified customers with established credit history may access “Low Documentation – Application Only” programs
How to apply for a Taycor Financial loan
Taycor lays out its own process as three steps:
- Apply online. Submit a simple application; transactions up to $400,000 don’t require tax returns.
- Choose a program. Work with a Taycor finance professional either as a full-service advisor or to build a custom program.
- Sign and fund. Most programs support eDocs, so you can sign from a phone or computer and get funded shortly after.
Taycor Financial reviews and complaints
| BBB accredited | No |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1 out of 5 stars, based on 5 customer reviews |
| Trustpilot Score | 4 out of 5 stars, based on 11 customer reviews |
| Customer reviews verified as of | 21 July 2026 |
Positive reviews on Trustpilot and Taycor’s own site call out individual finance professionals by name for good service and highlight fast funding that helped businesses take on new equipment. On the negative side, recent BBB reviews describe Taycor asking applicants for detailed business and personal information, including a Social Security number, before declining them quickly, and some Trustpilot reviewers say Taycor only communicated interest rates verbally, with nothing in writing until later in the process. If clear, written pricing matters to you, ask for it in writing before you sign anything.
What do people on Reddit say?
A thread on r/loansforsmallbusiness asking whether Taycor Financial is legitimate leans reassuring: several commenters call it a legitimate equipment financing company rather than a scam, while noting that quoted terms are typically subject to credit approval and underwriting, so numbers can shift once you’re further into the process — something commenters describe as standard across equipment financing generally, not specific to Taycor.
Others suggest getting everything in writing before signing and comparing quotes from other equipment lenders first. No commenter in the thread reported having actually completed financing with Taycor, so the discussion reads more as general reassurance than a verified customer account.
Frequently asked questions
Your reviews
Megan B. Finder
Editor, Loans & Insurance
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