The stair step business financing method is simple, it goes like this:

Once you have a bank loan for, let's say $20,000, and you age it for six (6) months, then you should be able to leverage that to get an equipment loan for about $40,000. The reason is that equipment companies will normally approve you for double the amount of your bank loan.

You pay both of those business loans on time and age them for another six (6) months and you can go back to the bank to request a credit line increase to $40,000. The bank will look to see if you have "comparable credit" and they will see that your business has a $40,000 equipment loan, where the payments have been made on time.

Step by step, and in intervals of not closer together than six (6) months, you can build a large credit line and the ability to get approved for large equipment lease lines and/or other similar types of loans.