Equipment financing · Company research
Crest Capital Reviews, BBB Rating, Rates & Requirements
Check Crest Capital’s eligibility benchmarks, equipment financing costs and ownership options. Compare it with Ascentium Capital and LEAF Commercial Capital to find a suitable financing approach for your business.
Public-source research, not firsthand borrowing experience or a personalized financing offer. Terms and ratings can change.
Represent Crest Capital? Update your profile or request a factual correction.
Who should investigate Crest Capital?
Our assessment: an established business with a clean payment history seeking equipment, vehicles or software financing. Crest publishes useful screening criteria, but its program is not aimed at pure startups or bad-credit applicants. Compare the exact contract and early-payoff cost before deciding.
Sources: Crest: current credit requirements, amounts and documentation · Crest: equipment financing FAQ, rates and early payoff.
What would you like to know about Crest Capital?
Crest Capital reviews: BBB, Google and customer feedback
Review sources answer different questions. Customer stars, a BBB business grade and company-hosted testimonials should not be combined into a single score.
| Source | Snapshot checked October 21, 2026 | What it means |
|---|---|---|
| BBB customer reviews | 5/5 from 1 customer review Read the BBB review | A very small sample. The visible review is dated October 11, 2023. |
| Google rating reported by Crest | 4.9/5, according to Crest’s own review page See Crest’s published claim | The original Google listing and current count were not independently verified in this update. |
| Company-hosted testimonials | Written and video testimonials on Crest’s website. View the testimonials | Useful examples, selected and hosted by the provider. |
| Other platforms | No independently verified current Trustpilot, Yelp or Facebook score included. | An unverified rating is not the same as a zero rating or proof that no profile exists. |
What the BBB review discusses
The single visible reviewer praises prompt equipment financing, professionalism and being kept informed. One positive review cannot establish a broad customer-service pattern or predict your approval outcome. Read the review and response.
What to examine beyond reviews
Request the full payment schedule, all fees, end-of-term obligations and a written early-payoff illustration. A good service experience and a favorable financing contract are separate things to assess.
If you read other review sites, check whether the number shown is customer feedback, an editorial score or an aggregation of other platforms. Also match the company’s website and legal identity; similar business names can lead to unrelated reviews.
Crest Capital BBB rating, accreditation and complaints
BBB business grade
A+The matched equipment-financing business in Alpharetta, Georgia.
BBB accreditation
Since 2012Accredited since April 20, 2012.
Complaints displayed
0The retrieved complaint page displayed zero complaints.
Sources: BBB: Crest Capital business rating and accreditation · BBB: Crest Capital complaints.
BBB says its business profiles generally cover a three-year reporting period. Zero displayed complaints does not prove there have never been disputes, and the A+ business grade is separate from customer-review stars.
The matched BBB record identifies equipment loans and leases, vehicle financing, software financing and working capital. It also lists French Investments, Inc. as an alternate name. Accreditation is not a government approval or a guarantee that a particular contract is appropriate for your business.
Sources: BBB: Crest Capital business rating and accreditation.
If a problem arises, save the agreement, seller invoice, payment history and correspondence. Ask the company for a written explanation tied to the relevant contract provision before drawing conclusions from another customer’s experience.
Is Crest Capital legit or legitimate?
Yes—public records support that Crest Capital is an established commercial-financing business. The company’s official history describes operations beginning in 1989. BBB connects Crest Capital with French Investments, Inc.; the Georgia corporate record identifies that corporation and a September 4, 1990 formation date.
Sources: Crest: company history and leadership · BBB: Crest Capital business rating and accreditation · Georgia Secretary of State: French Investments, Inc..
These dates describe the company’s stated operating history and the associated corporation’s formation. We retain both rather than force them into one founding date. Corporate registration and a BBB listing support business identity; they do not establish the suitability of your quote or resolve every licensing question.
Verify the exact company and agreement
- Match the website, legal creditor or lessor, business address and payment instructions.
- Confirm whether you are receiving an equipment finance agreement, a lease, a vehicle agreement or a working-capital loan.
- Identify the equipment seller separately from the financing company.
- Read the proposed contract and ask for a written explanation of anything that differs from a sales discussion.
This profile concerns the Alpharetta equipment-finance business at crestcapital.com. It does not make a blanket “no lawsuits” or “no regulatory actions” claim, and it is not a comprehensive legal or licensing audit.
Crest Capital rates, interest, fees and total financing cost
No universal current Crest Capital APR or interest-rate range was verified. Crest says rates are fixed for the term and quoted per transaction. A published statement that rates are competitive does not establish the price your business will receive.
Sources: Crest: current credit requirements, amounts and documentation · Crest: equipment financing FAQ, rates and early payoff.
| Cost or term | What is published / what to request |
|---|---|
| Interest rate / APR | Obtain the rate, how it is expressed and an all-in APR where applicable. Do not treat a lease payment factor as an APR. |
| Fixed payments | Crest publishes fixed-rate financing. Confirm whether your offer has level installments, step payments, deferrals or a seasonal schedule. Rate information · Payment structures |
| Down payment | 100% financing is available to most qualified applicants. Ask about advance installments, deposits, fees and other cash due at signing. Source |
| Documentation / closing fees | No universal dollar schedule was verified. Request an itemized quote. |
| Taxes, insurance and servicing | Ask what is included, what can change, and any payment-method or returned-payment charges. |
| Late or default charges | Obtain the exact dollar amounts or formula and the triggering events in your agreement. |
| Purchase option / balloon | Depends on structure. Include the amount required to own the equipment, not just the scheduled rental payments. Ownership structures |
| Early payoff | Crest allows early payoff but says fixed financing costs mean there is no cost advantage in paying early; minimal or no prepayment penalty is typical. Current FAQ |
No prepayment penalty does not automatically mean interest savings
A penalty is only one part of a payoff. Ask whether future financing charges remain payable, how the amount is calculated, and whether the purchase option or other charges are added. Get an actual payoff illustration for the month when you expect to sell or refinance the equipment.
Compare ownership cost—not just the monthly payment
The figures below are invented examples for a $50,000 equipment purchase. They are not Crest quotes or rate estimates. Assume no down payment and exclude taxes, insurance and other charges.
| Illustrative quote | Scheduled payments | Fee and purchase amount | Total to own |
|---|---|---|---|
| A: nominal buyout | 60 × $1,020 = $61,200 | $400 fee + $1 buyout | $61,601 |
| B: 10% purchase option | 60 × $980 = $58,800 | $400 fee + $5,000 purchase option | $64,200 |
Quote B has the smaller monthly payment but costs $2,599 more to own in this example. If you plan to return rather than purchase equipment, compare that outcome separately, including return costs and notice requirements.
Crest Capital requirements: credit score, business age and revenue
Crest publishes detailed equipment-financing benchmarks. They are an initial screening guide, not a promise of approval.
| Requirement | Published Crest equipment-finance criteria |
|---|---|
| Time in business | At least two years under current ownership. Pure startups are not financed. |
| Personal credit | 650+ benchmark for owners of 20% or more in closely held businesses. |
| Below 650 | The current requirements FAQ says approval is generally not available below this benchmark and compensating factors seldom offset it. |
| Business payment history | Creditors and comparable borrowing should be paid on time. Current payment difficulties or a history of nonpayment can rule out a file. |
| Business credit | Crest reviews D&B, PayNet, SBFE and public records. A PAYDEX of 80+ is described as an indicator of timely trade payments, not a stand-alone approval rule. |
| Revenue | No stated annual-revenue dollar minimum for equipment financing. Stable/growing deposits and capacity to cover the proposed payment still matter. |
| Bankruptcy, liens and judgments | A strong file generally has none in recent years; Crest says it generally looks back seven years. |
| Personal guarantee | Owners holding 20%+ typically sign. Corporate-only approval is considered case by case. |
| Credit inquiry | No personal-credit inquiry for the eligibility assessment; a soft credit pull for the full application, according to Crest. |
| Equipment condition | New and used business-use assets, including private-party purchases. No hard age cap; condition and collateral value are evaluated. |
Sources: Crest: current credit requirements, amounts and documentation.
How much flexibility is there?
Crest describes some criteria as benchmarks that can be offset by a stronger balance sheet, payment record or collateral. Its current text treats the 650 credit benchmark more strictly and says it does not finance pure startups. Do not interpret “case by case” as a broad bad-credit or startup program.
Sources: Crest: current credit requirements, amounts and documentation · Crest: equipment financing FAQ, rates and early payoff.
Can you qualify without a personal guarantee?
Crest’s published corporate-only indicators include roughly three or more years under current ownership, revenue of several million dollars, clean business credit and comparable fixed-asset borrowing. Those are screening indicators, not an automatic guarantee waiver.
Sources: Crest: current credit requirements, amounts and documentation.
Ask which owners must sign, whether any guarantee is limited, what triggers enforcement and how it is released. A company-owned asset does not by itself eliminate an owner’s personal contractual obligation.
Crest Capital financing amounts, terms and document requirements
The standard published equipment range is $10,000–$500,000, with larger transactions considered by arrangement. The documentation and term options change above $250,000.
| Financing track | Documents and terms | What to clarify |
|---|---|---|
| Up to $250,000 | Application-only in typical cases; no financial statements or tax returns. Terms generally 24–60 months. | Whether your ownership, equipment or credit profile creates additional verification needs. |
| Above $250,000 | Full financial package. Terms can extend to 84 months for qualifying larger transactions with excellent credit. | The required documents, eligible term and any conditions before seller payment. |
| Larger than the standard range | Available by arrangement; no universal higher ceiling established here. | Program, creditor, collateral and documentation for the specific project. |
Sources: Crest: current credit requirements, amounts and documentation.
What Crest’s full financial checklist includes
- A signed credit application and a brief organization overview.
- The equipment quote, invoice, sales contract or purchase order.
- The most recent two years of business financial statements.
- Interim financial statements if year-end statements are more than six months old.
- A current long-term debt schedule.
- Two years of business tax returns if financials are not audited or reviewed.
- Specified tax returns and current financial information for owners of 20% or more.
- Other supporting contracts, references or projections where relevant.
Sources: Crest: financial disclosure checklist (PDF).
Additional benchmarks for larger requests
Crest’s current credit page describes positive earnings and operating cash flow, a debt-service coverage benchmark of at least 1.2×, and comparable borrowing history. It identifies a previous obligation of roughly 70% of the requested amount as a benchmark; different guarantees or terms may bridge a shortfall.
Sources: Crest: current credit requirements, amounts and documentation.
For example, 1.2× coverage means $120 of qualifying cash flow for each $100 of covered debt payments. Ask how Crest calculates cash flow and which existing obligations enter the ratio. Do not assume a rough self-calculation will match underwriting.
Minimum amount and minimum revenue are different
The published $10,000 minimum concerns the transaction size. Having no stated revenue floor does not mean no revenue or repayment capacity is required. Match your business to the current first-party criteria before relying on an older comparison article.
Sources: Crest: current credit requirements, amounts and documentation.
Crest Capital equipment, vehicle, software and working-capital financing
Equipment financing and leasing
New and used business equipment, including private-party purchases. Crest evaluates the asset’s condition and collateral value rather than imposing one universal age cutoff. Equipment criteria.
Commercial vehicles
Work trucks, vans, trailers and specialty vehicles, with financing and lease structures such as titled vehicle agreements and TRAC leases. Confirm the title holder, residual obligation and applicable program. Vehicle programs.
Software financing
Published software range: $10,000–$500,000. Custom software and eligible installation, training and support costs can be included; hardware is not always required. Software program.
Working-capital loans
A separate $10,000–$400,000 product with terms up to 24 months, aimed at established businesses with steady revenue. Recent bank statements are important to review. Working-capital program.
Soft costs: more than the equipment price
Crest says related costs such as shipping, installation and training can be financed, with soft costs up to 25% of the loan amount. Ask what falls within that limit and whether the percentage uses the total financed amount or a narrower equipment-only base in your proposal.
Sources: Crest: current credit requirements, amounts and documentation · Crest: financing process, soft costs and ownership.
A specific restriction for trucking businesses
Crest’s tractor-trailer program is for non-transportation businesses hauling their own goods. It explicitly excludes tractor-trailer financing for trucking companies and owner-operators. A general “commercial vehicle financing” description should not override that product restriction.
Sources: Crest: tractor-trailer industry restrictions.
Crest’s vehicle page also identifies elevated credit requirements for its business-use car and SUV program. Confirm the criteria for the particular vehicle rather than assuming every vehicle follows the general equipment benchmarks.
Sources: Crest: commercial vehicle financing.
Working capital is a separate underwriting decision
Crest describes working capital as short-term funding for uses such as payroll, inventory, materials, taxes or repairs. It says the product is not a debt-consolidation program: an existing balance may be considered, but any payoff should leave meaningful new operating capital. Do not carry equipment-program assumptions about documents, collateral or payment frequency into a cash-loan offer.
Sources: Crest: working-capital loans.
Industries and location
Crest markets financing nationwide for U.S. business equipment, vehicles and software. Confirm your industry, business location, asset location and product eligibility; the published tractor-trailer restriction is not a complete industry-exclusion list.
Sources: Crest: company history and leadership · Crest: tractor-trailer industry restrictions.
Crest Capital lease structures and end-of-term ownership
Ask for the exact structure name in the quote. Two offers with similar payments can create different ownership, renewal and return obligations.
| Structure | Published description | Decision to make before signing |
|---|---|---|
| Equipment Finance Agreement (EFA) | Fixed-rate financing; the business owns the equipment and Crest releases its security interest after successful completion. | Confirm lien scope, payoff amount and release procedure. |
| $1 Purchase Agreement | Fixed monthly payments with a nominal purchase amount at the end. | Confirm whether ownership transfers automatically or requires election and payment. |
| 10% Purchase Option | Option to purchase for 10% of original equipment cost, renew or return. | Budget for the purchase amount and ask about return/renewal notice. |
| Fair Market Value (FMV) | End-of-term purchase at fair market value, renewal or return. | Ask who values the asset, whether there is a minimum and how disputes are handled. |
| Guaranteed Purchase / PUT | Predetermined purchase-price or residual arrangement; a larger final amount can reduce regular payments. | Identify whether the final payment is mandatory and budget for it. |
| First Amendment Lease | Purchase opportunities at defined points; declining an option can require continuation or renewal. | Review each election deadline. Do not assume you can return the asset at the first purchase-option date. |
Sources: Crest: lease and loan structures.
Deferred, seasonal and step-payment options
Crest also describes master agreements, deferred payments, step-up payments and seasonal schedules. A master agreement can support additional equipment schedules. Ask whether future additions require a new approval and whether one default affects other schedules.
Sources: Crest: lease and loan structures.
For a deferral or seasonal plan, request the entire dated payment schedule. Determine whether interest or other charges accrue during a payment break and whether later installments rise. For software or service bundles, match the finance term with the usable life and cancellation rights of the underlying product.
Have your accountant review tax and accounting treatment for the actual agreement. A marketing description of a lease or potential deduction is not enough to determine your business’s treatment.
Crest Capital early payoff, personal guarantees and UCC liens
What does Crest say about early payoff?
Crest’s current FAQ permits early payoff and describes minimal or no prepayment penalties as typical. It also says financing cost is fixed at signing and therefore there is no advantage in paying early. Do not assume a standard interest-rebate calculation or guaranteed savings.
Sources: Crest: equipment financing FAQ, rates and early payoff.
Before signing, request a payoff illustration at months 12 and 24 that includes remaining payments, any purchase amount and fees. Ask which charges are waived, if any, and how long the quote remains valid. Existing customers can use Crest’s official payoff-request form.
Equipment collateral and blanket liens
Crest’s credit page identifies equipment as collateral and says no blanket lien on most transactions. That does not mean no security interest or UCC filing. Ask for the precise collateral description and release conditions. Published collateral guidance.
Owner guarantees
Personal guarantees are normally requested from owners of 20% or more, with corporate-only exceptions considered individually. Ask about liability, release and the effect of a change in ownership. Guarantee guidance.
Delivery, acceptance, cancellation and renewal
A universal post-signing cancellation or refund policy was not established in the pages reviewed. Ask when the agreement becomes binding, when the seller is paid and when payments start. Obtain the procedure for delayed delivery, incomplete installation or defective equipment.
For a lease, record the notice deadline and acceptable method for purchase, renewal or return. For a vehicle, confirm title, registration, insurance and final transfer costs. Do not assume a vendor dispute or a decision to return an asset ends the financing obligation.
Crest Capital vs. Ascentium Capital vs. LEAF Commercial Capital
These companies offer useful contrasts in published underwriting criteria, transaction scale and equipment/technology programs. This comparison helps you select relevant quotes; it does not establish a universal best provider or lowest rate.
| Decision factor | Crest Capital | Ascentium Capital | LEAF Commercial Capital |
|---|---|---|---|
| Provider identity | National commercial equipment-finance lender. Source | Regions Bank division; bank provides the loans and leases. Source | Subsidiary of M&T Bank. Source |
| Equipment amount | Standard $10,000–$500,000; larger by arrangement. Source | General equipment financing up to $2 million. Source | No universal current equipment minimum or maximum verified in the reviewed program pages. Program page |
| Published terms | 24–60 months application-only; up to 84 months with a qualifying full financial package. Source | Up to 84 months on the general equipment program. Source | Request the term and structure for the particular equipment or technology project. |
| Business age / credit | 2+ years under current ownership; 650+ owner benchmark; no pure startups. Source | Typical criteria: 2+ years and 650+ FICO for guarantors; related corporate-guarantor exception described. Source | A universal FICO floor, revenue minimum and startup rule were not established here. Confirm directly. |
| Documentation | Application-only up to $250,000; full package above. Source | Program-dependent published thresholds. See the clarification below. Source · Regions page | Program and project dependent; no universal application-only dollar threshold verified. |
| Credit inquiry | Soft full-application pull advertised. Source | Credit authorization required; confirm inquiry type before proceeding. Source | Confirm personal/business inquiry authorizations and whether any hard pull occurs. |
| Guarantees / collateral | Typically 20%+ owners; equipment collateral; no blanket lien on most transactions. Source | Typically guarantors collectively representing at least 51% ownership; possible exceptions. Source | Ask for the transaction’s guarantee and collateral schedule; case-specific corporate structures exist. Case study |
| Early payoff | Allowed; fixed financing cost may remain. Source | No contractual prepayment right; written early-termination requests may be considered. Source | A universal early-payoff formula was not verified. Request an actual calculation. |
| Best comparison question | Does this structure match how I intend to own or replace the equipment? | Does a larger or specialized program offer better terms for this project? | Can the equipment, technology or vendor arrangement be structured around my project needs? |
Crest Capital vs. Ascentium Capital: scale, documentation and guarantee exposure
Our interpretation: both are worth comparing for an established business with good credit. Ascentium’s larger general equipment ceiling makes it especially relevant for projects beyond Crest’s standard range. Crest’s public requirements make it easier to screen a smaller transaction before applying.
Ascentium’s typical credit criteria also include no bankruptcy within ten years, an approved equipment vendor, and U.S. citizenship or permanent residency for guarantors and signers. It discloses referrals to other finance companies when a request does not fit its own program. Ask who would actually provide an alternative offer.
Sources: Ascentium: typical credit criteria and provider disclosure.
Resolve the application-only threshold before comparing paperwork
Ascentium’s own equipment page says an application is typically sufficient through $250,000. Regions’ Ascentium page lists $400,000, or $750,000 for hard assets. These are different published thresholds; ask which program and asset category apply rather than treating either figure as universal.
Sources: Ascentium: equipment financing and leasing · Regions Bank: Ascentium application-only thresholds.
Compare costs around the asset
Ascentium’s FAQ permits eligible soft costs up to 30% of the financed amount. It discloses no application fee, a one-time documentation fee, possible interim billing, insurance-related charges and card-processing fees. Request dollar figures alongside Crest’s itemized proposal.
Sources: Ascentium: fees, soft costs, insurance and early termination.
Compare the actual early-exit calculation
Ascentium says it may agree to early termination for a non-defaulted account after a written request, using discounted future payments and no additional penalty or fee. That is different from a contractual right to prepay. Obtain a dated quote from each provider at the same planned payoff month.
Sources: Ascentium: fees, soft costs, insurance and early termination.
Useful decision test: if both approve the same asset, compare total cash due at signing, full scheduled ownership cost, the people signing guarantees and the written cost of an early exit. A shared 650 benchmark or similar monthly installment does not make the contracts equivalent.
Read the expanded Ascentium Capital profile.
Crest Capital vs. LEAF Commercial Capital: published criteria or a tailored project?
Our interpretation: Crest is easier to evaluate against a public qualification checklist. LEAF is worth investigating when the equipment, technology, seller arrangement or business structure needs a more tailored discussion. Less public numerical detail does not establish easier approval or lower costs.
LEAF’s Equip Now program lists light industrial machinery and vehicles, hospitality equipment and furniture, medical/dental equipment, climate/energy solutions, and office furnishings. Its process material describes new and used equipment and purchases involving different vendors.
Sources: LEAF: equipment financing program · LEAF: equipment categories embedded in its program page · LEAF: equipment application steps.
Software and technology projects
LEAF maintains a dedicated technology-financing program and vendor solutions supporting software and technology sales, including as-a-service models. Crest separately publishes financing for custom software, installation, training and support. Ask each provider to break out the hardware, licenses, implementation and ongoing services in the quote.
Sources: LEAF: technology financing · LEAF: software and technology vendor programs · Crest: software financing.
For an equipment-and-service bundle, confirm what happens if the software is discontinued, a vendor stops supporting it or you cancel a service. Ask whether finance payments continue, how upgrades work and whether a replacement asset needs a new agreement. Compare contract obligations, not just the bundled monthly amount.
Multiple locations and corporate guarantees
LEAF publishes a case study in which separate locations obtained equipment financing using the headquarters company’s credit and guarantee. It illustrates one custom arrangement, not a guarantee-free policy. If your business has several entities, ask which one borrows, which one owns the equipment and whether obligations are cross-guaranteed.
Sources: LEAF: multi-entity corporate-guarantee case study.
Approval timing and missing requirements
LEAF’s equipment-process material says most businesses receive a credit response within a day. A response is not completed funding. Request the exact document list, conditions, inquiry type, term, cash due, purchase option and payoff rules for your project; no universal numerical equipment-eligibility schedule was verified here.
Sources: LEAF: equipment application steps.
Keep LEAF CapitalNow separate from equipment financing
LEAF’s CapitalNow FAQ publishes $25,000–$300,000 in growth capital, a 2% structuring fee and a 1% renewal fee for subsequent transactions. Those figures describe CapitalNow, not the Equip Now equipment program. The FAQ also says the product does not require daily withdrawals; confirm the actual payment schedule in the offer.
Sources: LEAF: CapitalNow growth-capital amounts and fees.
If your project combines an asset purchase with operating cash, compare each component separately: creditor, contract, amount received, payment timing, fees and collateral. Do not apply a working-capital fee or advertised range to an equipment lease.
Choose the next quote by your situation
Established business within Crest’s published criteria: compare Crest and Ascentium on the same equipment and ownership plan. A larger request: investigate Ascentium’s applicable program and Crest’s arranged larger transactions. A technology bundle or multi-entity project: include LEAF and request a written structure. Startup or challenged credit: verify program eligibility first; this comparison does not establish that any of the three will approve the request.
Five Crest Capital questions to ask before signing
Copy the email below and replace the bracketed details. Request written answers and the proposed agreement.
Crest Capital application process, payoff requests and customer service
- Check the business fit. Review the published requirements and identify the asset, price, seller and intended use.
- Use the eligibility assessment if useful. Crest says this preliminary step involves no personal-credit inquiry.
- Complete the financing application. The company describes a soft credit pull; supply the full package if your transaction requires it.
- Review the credit decision. Crest advertises same-business-day decisions for most applications; additional conditions can still apply.
- Confirm the seller invoice and agreement. Review costs, ownership, guarantees, collateral and payment timing before signing.
- Coordinate seller payment and delivery. Crest’s process describes paying the equipment seller directly after the required steps.
Sources: Crest: current credit requirements, amounts and documentation · Crest: financing process, soft costs and ownership · Crest: equipment financing FAQ, rates and early payoff.
A credit approval is not the same as completed funding or equipment delivery. Ask what remains outstanding, who authorizes acceptance and what happens if the asset is not ready.
Crest Capital payoff request
Existing customers can request a quote through the official payoff-request page, which asks for the account number and company name. Confirm the quote’s expiration, ownership transfer and lien-release process.
Contact information
Phone: 800-245-1213
Email: info@crestcapital.com
Published headquarters: 3460 Preston Ridge Road, Suite 285, Alpharetta, GA 30005.
Sources: Crest: official headquarters and contacts.
MCA Shield cannot access a Crest account, issue a payoff or change financing terms. Contact the company through its verified servicing channels for account-specific help.
Crest Capital reviews, rates and requirements FAQs
What is Crest Capital’s BBB rating?
The matched BBB profile shows A+ and accreditation since April 20, 2012. That business grade is separate from customer-review stars. Check the BBB profile.
How many BBB complaints does Crest Capital have?
The complaint page displayed zero when checked October 21, 2026. BBB generally uses a three-year reporting period; this is not a statement that no dispute has ever occurred. Read the current complaint record.
What are Crest Capital’s rates?
A universal current APR range was not verified. Crest describes fixed rates quoted for each transaction. Request an itemized quote and compare full ownership cost. Rate information.
What credit score does Crest Capital require?
Its current equipment criteria use a 650+ benchmark for owners of 20% or more in closely held businesses. Crest says approval below 650 is generally not available under its program. Published credit requirements.
Does Crest Capital finance startups?
Its published equipment program excludes pure startups and normally requires two years under current ownership. Business-age requirements.
What is the minimum revenue requirement?
No annual-revenue dollar minimum is stated for equipment financing. Repayment capacity and stable or growing deposits still matter. Working-capital underwriting is separate. Equipment criteria · Working-capital program.
Does Crest Capital do a hard credit pull?
Crest says its eligibility assessment uses no personal-credit inquiry and the full application uses a soft pull. Review the actual authorization before submitting. Credit-check FAQ.
What is Crest Capital’s minimum financing amount?
The current first-party minimum is $10,000. The standard range extends to $500,000, with larger transactions available by arrangement. Current amounts.
Can Crest finance used equipment from a private seller?
Its current credit page says yes, subject to underwriting and asset suitability. Confirm condition, ownership, invoice and seller requirements for the specific purchase. Equipment criteria.
Does Crest Capital require a personal guarantee?
Owners of 20% or more typically sign one. Some corporate-only approvals are possible case by case. Guarantee criteria.
Can I save interest by paying Crest Capital early?
Do not assume so. Crest’s FAQ says financing cost is fixed at signing and there is no advantage in paying early, even though penalties are typically minimal or absent. Request a written payoff. Early-payoff explanation.
Is Crest better than Ascentium Capital or LEAF?
The right fit depends on eligibility, project size, structure and actual cost. See the Crest vs. Ascentium vs. LEAF comparison and compare written offers for the same equipment.
Research method, author and original sources
About Shane Fitzgibbon
Shane Fitzgibbon is an MCA Shield co-owner, author and marketing professional. His background includes debt relief work since 2012 and MCA debt relief and restructuring work since 2018, including client intake, merchant applications and referral partner onboarding. Read Shane’s full bio and professional background.
How this profile was prepared
This profile draws on the October 16, 2026 company research and source checks conducted October 21, 2026. Official product statements, independently hosted review records and MCA Shield’s interpretations are distinguished. This is public-source research, not firsthand financing experience, a binding quote or a comprehensive legal audit.
Current first-party qualification criteria take priority over older general comparisons. Crest’s reported Google score is labeled as company-reported. Unknown fees and LEAF equipment minimums have not been filled in with unrelated product figures. Cost examples are hypothetical, and no combined review score has been created.
Source directory
- Crest Capital: official website
- Crest: current credit requirements, amounts and documentation
- Crest: equipment financing FAQ, rates and early payoff
- Crest: financing process, soft costs and ownership
- Crest: lease and loan structures
- Crest: financial disclosure checklist (PDF)
- Crest: commercial vehicle financing
- Crest: tractor-trailer industry restrictions
- Crest: software financing
- Crest: working-capital loans
- Crest: company history and leadership
- Crest: official headquarters and contacts
- Crest: official payoff-quote request
- Crest: company-hosted testimonials and reported Google rating
- BBB: Crest Capital business rating and accreditation
- BBB: Crest Capital customer reviews
- BBB: Crest Capital complaints
- Georgia Secretary of State: French Investments, Inc.
- Ascentium: equipment financing and leasing
- Ascentium: typical credit criteria and provider disclosure
- Ascentium: fees, soft costs, insurance and early termination
- Regions Bank: Ascentium application-only thresholds
- LEAF: equipment financing program
- LEAF: company background and M&T Bank ownership
- LEAF: equipment categories embedded in its program page
- LEAF: equipment application steps
- LEAF: technology financing
- LEAF: software and technology vendor programs
- LEAF: multi-entity corporate-guarantee case study
- LEAF: CapitalNow growth-capital amounts and fees
Editorial context
This is an MCA Shield company-research page, not a Crest Capital-operated website. Inclusion does not mean a provider is best for every business. Paid placement is separate from factual corrections. Check current terms and dated ratings before relying on them.
Compare equipment financing for your business
Start with the equipment price, operating history and ownership outcome you need. Use MCA Shield’s quote page or continue researching providers in the equipment financing directory.
An MCA Shield inquiry is separate from a direct application to Crest Capital, Ascentium Capital or LEAF Commercial Capital.
Represent Crest Capital?
Request factual corrections or submit updated product, eligibility, fee and contact information for review at no charge. Include the section, proposed correction and a public supporting source. Paid directory placement is separate from this process.
Ask about presenting your company in the equipment financing directory. A placement inquiry does not change published rates, qualification criteria, review records or complaint information.