Marcus Whitfield

Senior Editor · EquipRates

Marcus spent eight years in commercial banking before moving to financial writing, with most of that time on the equipment finance and SBA side. He covers lender reviews, rate analysis, and approval-process content for EquipRates. His work focuses on translating the actual underwriting criteria lenders use into something small business owners can act on.

Focus areas

· Equipment loan underwriting
· SBA 7(a) and 504 programs
· Commercial lender comparisons
· Rate analysis and APR calculations
· Bad credit equipment financing

Background

Commercial banking, equipment finance, SBA lending

At EquipRates since

2025

Articles by Marcus

Guide Updated 7 months ago

Find the Best Small Business Loans in Houston, TX (2026 Updated Rates)

Compare the best small business loans in Houston, TX for 2026. Current SBA rates, local lenders, credit union options, and Houston-specific programs to fund your business.

Comparison Updated 7 months ago

Best Heavy Equipment Financing Companies: Get Funded Fast in 2026

Compare the best heavy equipment financing companies for 2026. We analyzed rates, credit requirements, and funding speed to help construction businesses find the right lender.

Blog Updated 7 months ago

Equipment Financing with Bad Credit: Your Complete Guide to Approval

Yes, you can get equipment financing with bad credit. Learn how asset-based lending works, approval strategies, and what to expect when your FICO score is below 600.

Editorial standards

All articles by Marcus follow the EquipRates review process. Read our methodology for how we research lenders and update our content, or our About page to learn more about the editorial team.