Cherokee Commercial Credit provides equipment financing, working capital, and business lending solutions for companies across every industry. We work with a broad network of lenders to find the right structure for your business -- not just the easiest approval for us.
We do not force businesses into a single product. We work with a broad network of lenders to match your financing need with the right structure -- whether that is a loan, a lease, a line of credit, or something more complex.
Direct equipment financing where you own the asset from day one. Equipment Finance Agreements and term loans available across all equipment types and industries. New and used equipment considered.
Finance leases, operating leases, and true leases structured around the asset type and your balance sheet preferences. Seasonal and annual payment schedules available through select lenders.
Already own equipment free and clear? A sale-leaseback lets you unlock the equity in that asset and put capital back into your business while continuing to use the equipment. Available on most asset types.
Short and medium term capital to fund operations, cover payroll, bridge receivables, or seize a growth opportunity. Structured around your cash flow, not a rigid repayment schedule.
SBA loan programs and municipal or government lease structures for qualifying businesses and public entities. We navigate the program requirements and connect you with the right lender.
Turn outstanding invoices into immediate working capital. AR financing and factoring programs for businesses with strong receivables but a need for faster cash flow.
Financing for ownership transitions, partner buyouts, and business purchases. We understand the complexity of acquisition transactions and structure accordingly.
Short term bridge financing to cover gaps between transactions, project milestones, or longer term financing closing. Fast execution for time-sensitive situations.
Commercial real estate financing for business owners looking to acquire, refinance, or develop commercial property. Available through select lenders in our network.
From a contractor buying his first machine to a manufacturer expanding production capacity, we work across business types and credit profiles to find workable financing solutions.
Tell us about your business, what you need, and what you are looking to accomplish. The initial application takes five minutes and gives us what we need to start working on your behalf.
We present your transaction to our network of lenders and funding sources. Our job is to find the best available terms for your situation -- not just the first approval we can get.
We present your options clearly -- structure, rate, term, and any conditions. We explain the tradeoffs and give you a straight recommendation based on your priorities.
Once you select the right option we handle the documentation and work directly with the lender to get your transaction closed and funded as quickly as possible.
Tell us about your business and what you are trying to accomplish. We will give you a straight read on your options before anything gets submitted. No credit pull, no obligation.
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Cherokee's founder spent over a decade inside a direct lender in equipment finance — underwriting transactions, structuring credit facilities, and developing a working knowledge of how lender appetite, collateral positioning, and deal structure interact to determine cost of capital.
That experience revealed a market most business owners never reach: boutique lenders and specialty finance companies with competitive rate structures that operate exclusively through the broker channel. They do not advertise to borrowers. They cannot be accessed directly. Cherokee is the door.
For businesses with strong credit profiles, that means real competition across their transaction — not a single term sheet from their bank. For businesses navigating tighter credit conditions, it means options that simply do not exist through a traditional banking relationship.
CPAs, insurance agents, equipment dealers, and business brokers refer clients to Cherokee because we bring access to a segment of the lending market — boutique lenders and specialty finance companies — that operates exclusively through brokers. You make the introduction. We handle the transaction. You earn a fee at funding.