Turned down by the bank? Your equipment deal isn't dead.
I personally review every file that comes in.
If your bank turned you down — or your credit is strong and you're growing too fast for their timeline — that's exactly who we work with. Equipment financing, working capital, and creative commercial finance for businesses at every stage, in all 50 states.
Structured for the deal in front of you—not the easiest deal on paper.
Construction & contracting, healthcare & dental, manufacturing, transportation & logistics, restaurants & hospitality, franchises, agriculture, laboratory & technology, automotive, and professional services — if your business runs on equipment, we can probably finance it.
Our approach
A consultant on your side of the table.
Big online lenders sell you their product. We curate the market for yours — then bring you clear options in plain English. Whether you're bankable and want sharper terms, or bank-declined and need a creative structure.
You get the structure that fits your business — curated from across our funding-partner network, not the one with the biggest commission behind it.
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You'll see the real cost before you sign
No factor-rate fog, no daily-debit surprises buried in the fine print. The rate, the term, and the total cost — in plain English, before you sign anything.
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Bank-declined? You're welcome here
Bank-declined doesn't mean deal-dead. We specialize in the files other lenders pass over — new businesses, thin credit, complicated stories.
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One person who knows your file
You talk to a person who knows your deal — not a call center, not an algorithm. From the first call to the day you're funded.
Referral & vendor support
Vendors & advisors—send your clients our way.
A referral-based practice: we coordinate financing for bankers, CPAs, attorneys and equipment vendors, protect the relationship and keep opportunities moving.
Business owners trust us with sensitive financial details. No client lists, no published deal stories, no noise — what you share here stays here.
I review every file personally, so I take on a limited number at a time.
Request prepared
Your next step is ready.
Review the message in your mail app and press Send. Once received, we’ll be in touch within one business day. If your mail app did not open, call 863.999.4451 or text us.
About the firm
A seasoned firm built to stand with your business.
I founded Counter Balance Consultants in Central Florida on a simple idea: business owners deserve a financing advisor who works for them — not for a lender's quota.
I work directly with business owners — and with the bankers, CPAs, attorneys, equipment vendors, and referral partners who send them — to structure financing that fits the business, not the other way around. With 30+ years in the finance industry, I bring judgment you can't get from an online application. Straight answers, creative structures, and a deal process that respects your time.
Experience 30+ years
Capabilities Full-spectrum commercial finance
Approach Relationship-led guidance
Questions & answers
FAQ
Straight answers on equipment financing, credit, timing, startups, working capital and comparing offers.
Then you're in the right place. A decline usually means you didn't fit that lender's box — not that the deal can't be done. We specialize in structuring the files other lenders pass over.
Initial conversations won't touch your credit score. If a program ever needs a full credit check, we'll tell you before it happens.
In most cases we're compensated by the funding partner — not out of your pocket. If a deal ever involves a fee to you, you'll know about it before we start.
Straightforward equipment deals can move in days once we have your information. More complex structures take longer — and we'll give you a straight timeline up front, not a sales pitch.
You might — and if your bank's offer is the best fit, we'll tell you so. But banks move slowly, they sell you their product, and anything outside their box is a no. We curate offers from across our funding-partner network for the structure that fits your deal, usually with faster decisions — and in most cases we're compensated by the funding partner, not out of your pocket.
Straight answers to help you understand what may qualify, what can be financed and how to get started.
There's no hard cutoff. We look at the whole picture — time in business, revenue, credit, and the equipment itself. Startups and challenged credit are welcome, and stronger files earn better rates. The fastest way to know where you stand is a 15-minute conversation — no credit-score impact.
Yes — startups are one of our core specialties. Time in business matters less than the strength of the deal and the value of the equipment.
If it has a serial number and holds value — machinery, vehicles, medical devices, technology, restaurant and lab equipment — we can look at it. New or used.
All 50 states and U.S. territories, plus clients in Canada and Mexico.
Just the basics: what you're looking to finance and a little about the business. A short conversation or the funding form is enough to start — no credit-score impact, no pile of paperwork up front.
Ready to talk through your options?
Start with a few details about what you need to finance and where the business stands today.
Real client experiences, shared anonymously to protect client privacy.
What do clients value in a financing partner?
Names withheld — discretion is the point.
“Financing businesses is difficult especially when you don't know all of the details about a certain segment of an industry. Counter Balance Consultants saw my situation and understood what my needs were and helped me craft a financial strategy and solution so I could move forward with my business plan. Counter Balance saw my total financial situation and prepared a plan like an artist painting a portrait Counter Balance laid out everything that helped me build out my specific kitchen needs. Would recommend Counter Balance and have recommended Counter Balance to several of my friends and clients.”
Celebrity Concierge Chef and Caterer, Michigan
“Due to a family member's greed and deceit I found myself in need of a large amount of funding, very quickly. I was put in touch with Counter Balance Consultants. This was the first time I have ever had to go through a situation like this, and Counter Balance was there for me every step of the way. Counter Balance was 100% honest and up front about every process and document that was needed and why. Counter Balance eased my mind, and got me the funding I needed that seemed almost impossible at every other financial institution I contacted. Counter Balance helped save my business from being forced to close or relocate. I cannot thank Counter Balance Consultants enough for the dedication and hard work they provided me.”
Auto Repair business, Florida
“Counter Balance was a joy to work with. They got us the financing we needed. Counter Balance explained the terms honestly and plainly, they cared that the venture was successful in the long term. True story, they even went the extra mile and remembered my family and asked about them for years after the financing deals were closed.”
Cannabis Testing Lab, Missouri
How should you evaluate financing proof?
Look for verified comments about the business need, communication and decision process. See Recent Fundings for transaction examples.
Ready to discuss your financing need?
Start with a direct conversation about the equipment, capital need and business context.
Every entry below is a sample placeholder—not a completed client transaction.
What can a funded-deal entry look like?
$65K box truck
Contractor · Central Florida
Sample entry — replace with a real funded deal
$120K CNC machine
Manufacturer · Tampa, FL
Sample entry — replace with a real funded deal
$42K dental equipment
Dental practice · Orlando, FL
Sample entry — replace with a real funded deal
$88K commercial kitchen package
Restaurant operator · Miami, FL
Sample entry — replace with a real funded deal
$150K construction equipment fleet
Site-services company · Sarasota, FL
Sample entry — replace with a real funded deal
What belongs in a verified funding example?
A verified entry names the purpose, amount, business type and city without identifying the client. The sample label stays until confirmed. See What Our Clients Say for feedback placeholders.
Have a deal to structure?
Share the asset, amount and business need. Counter Balance Consultants can help compare appropriate financing paths.
Requests may include equipment, commercial vehicles, working capital, SBA financing, commercial real estate and eligible receivables. Fit depends on the business, purpose, amount, documents and program criteria. Compare the options in our guides →
Discuss a Florida financing request
Start with the amount, use of funds and business profile. We will help define the next practical step.
Equipment financing and commercial capital guidance for Tampa-area businesses.
How do we serve Tampa businesses?
We help Tampa Bay businesses frame equipment and capital requests around the asset, need and repayment fit. Support continues through documentation and closing. We are Florida-based without claiming an office in every community.
Which financing services are available?
New and used equipment financing
Commercial vehicle financing
Working capital and business lines
SBA loan guidance
Commercial real estate financing
Invoice factoring and receivables
What do Tampa business owners often ask?
Can used equipment qualify?
It can, depending on age, condition, useful life, value, seller documentation and the overall request.
Do you work with startups?
Some startup and pre-revenue requests may fit. Owner experience, credit, cash, projections, collateral and repayment planning can matter.
How quickly can a request close?
Timing varies by asset, amount, documentation, credit and transaction complexity. No exact closing time is guaranteed.
Can you review an existing offer?
Yes. Compare total obligation, payment frequency, fees, payoff terms, liens, guarantees and end-of-term requirements—not just the payment.
Talk through a Tampa-area financing need
Share the asset, amount and business context to start a practical review.
Equipment financing, working capital and commercial finance guidance for Orlando-area businesses.
How do we serve Orlando businesses?
We help Greater Orlando businesses define equipment and capital needs and compare structures. Fit depends on the business profile, purpose, documents and program—not a promise of approval. We are Florida-based without claiming an office in every city.
Which financing services are available?
New and used equipment financing
Commercial vehicle financing
Working capital and business lines
SBA loan guidance
Commercial real estate financing
Invoice factoring and receivables
What do Orlando business owners often ask?
Can a startup request financing?
Some programs consider startups or pre-revenue firms. The review may include owner experience, credit, cash, projections and collateral.
Can equipment and installation be financed together?
Some structures may include eligible installation or related costs. Asset type, vendor, useful life and program criteria determine what can be included.
Will an initial conversation affect my credit score?
No. The first review can start with the goal, amount and business details. Any later inquiry should be explained before authorization.
What documents should I prepare?
Start with business and owner details, the amount, purpose and equipment quote. Additional financial or ownership documents may be requested.
Talk through an Orlando-area financing need
Share the asset, amount and business context to start a practical review.
Equipment financing and commercial capital guidance for Miami-area businesses.
How do we serve Miami businesses?
We help Miami-area businesses organize equipment and capital requests and compare structures. Eligibility depends on the asset, amount, business profile and program criteria. We are Florida-based without claiming a branch in every community.
Which financing services are available?
New and used equipment financing
Commercial vehicle financing
Working capital and business lines
SBA loan guidance
Commercial real estate financing
Invoice factoring and receivables
What do Miami business owners often ask?
Can commercial vehicles be financed?
They may qualify when the vehicle, use, seller and overall transaction meet the selected program’s criteria.
Can working capital support growth?
Working capital may support inventory, payroll, expansion or timing gaps through a term loan, line of credit or another cash-flow structure.
Will collateral or a guarantee be required?
Requirements vary. Equipment often secures its financing, while other structures may require additional assets, liens or owner guarantees.
What if a bank declined the request?
Different funding sources weigh industry, collateral, cash flow, credit and time in business differently. The decline reason helps guide a useful next review.
Talk through a Miami-area financing need
Share the asset, amount and business context to start a practical review.
