Balboa Capital
About
Ameris Bank Equipment Finance is a division of Ameris Bank that provides small business funding solutions including equipment financing, small business loans, SBA loans, and vendor financing. The company has funded over $8 billion nationwide and serves small business owners, equipment vendors, franchise owners, and middle-market executives across the United States. It operates with 200+ employees and holds an A+ rating with the Better Business Bureau.
Details
VenSearch Intelligence
Ideal Customer
- Balboa Capital's sweet spot is small to mid-market businesses that have been operating for at least one year, carry a minimum credit score of 620, and generate at least $100,000 in annual revenue (or $300,000 for short-term loans and lines of credit).
- Typical customers include small business owners, middle-market executives, franchise owners, and equipment vendors who need fast, streamlined access to capital without lengthy paperwork.
Key Differentiators
- Balboa Capital differentiates itself as a technology-driven direct lender offering same-day credit decisions—often within one hour during business hours—and same-day funding, without requiring lengthy paperwork or collateral for many products.
- Its proprietary credit scoring and underwriting automation supports application-only approvals up to $500,000, providing a streamlined digital experience that sets it apart from traditional banks.
Industries Served
- Balboa Capital serves a broad range of industries including retail, healthcare, construction, manufacturing, transportation, agriculture, food service/restaurants, and professional services.
- It finances equipment specific to each sector—such as MRI machines and diagnostic tools for healthcare, excavators and bulldozers for construction, commercial trucks for transportation, and commercial kitchen equipment for food service.
Service Coverage
- Balboa Capital operates nationwide across all 50 states, serving small and mid-sized businesses throughout the United States.
- The company is headquartered at 575 Anton Boulevard, 12th Floor, Costa Mesa, California, with satellite offices in Scottsdale, Arizona; San Ramon, California; and Spokane, Washington.
Partnerships
- Balboa Capital has partnered with Monarch Tractor (maker of the MK-V electric smart tractor) to offer financing solutions for farmers nationwide.
- The company maintains a vendor financing program through the Business Technology Association (BTA), serving office products dealers with its web-based Compass system for real-time application and reporting access.
Company Size & Ownership
- Balboa Capital was founded in 1988 and has approximately 161–210 employees as of recent estimates, with headcount declining modestly from a peak of around 210 in 2022.
- Revenue estimates from various sources range from approximately $100M to $242M annually, with loan originations expected to have exceeded $415 million during 2021.
Compliance & Certifications
- Balboa Capital holds an A+ rating with the Better Business Bureau (BBB), though it is not formally BBB-accredited.
- As a division of Ameris Bank, it operates as a Member FDIC and Equal Housing Lender, subject to federal banking regulations.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
7 offeringsCommercial Financing
A financing option listed under the funding options menu for commercial business needs. It is offered alongside other small business funding products through Ameris Bank Equipment Finance's online application process.
Equipment Financing
A financing product that allows small businesses to obtain funding for equipment, technology, and vehicles. Businesses can apply online, receive a credit decision quickly, and get funded fast through a streamlined process.
Equipment Leasing
An equipment leasing product that provides small businesses with an alternative to purchasing equipment outright. It is listed as a separate funding option within Ameris Bank Equipment Finance's suite of products.
Franchise Financing
A funding product tailored for franchise owners seeking growth capital. It is listed as a distinct offering under the company's funding options and is accessible through the online application process.
SBA Loans
SBA loans offered nationwide ranging from $400,000 to $5 million. These are available to small businesses seeking larger amounts of growth capital backed by the Small Business Administration.
Small Business Loans
Loan products designed to help small businesses cover costs such as expansion initiatives, inventory, and day-to-day operating expenses. Applications are submitted online and credit decisions are made through a streamlined process.
Vendor Financing
A financing program specifically designed for equipment vendors, allowing them to offer financing solutions to their customers. Ameris Bank Equipment Finance serves equipment vendors nationwide as part of its funding offerings.
Considering Balboa Capital?
Our team will work with you to determine if Balboa Capital is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.