Select Page

Hitachi Capital Working Capital Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

Find the Best Rates for Your Small Business Loan

Get connected with top lenders in a matter of seconds!

Please select one

Just a Second


What is your personal credit score?

What is your monthly revenue?

Hitachi Capital Working Capital Review Whether you are planning to launch a business or finance your current one – it can be difficult to figure out what option is best for you. The truth is, there are hundreds of different small business loan companies offering a wealth of services. It’s imperative to find a company that not only can provide the financial services including working capital that you need, but the resources and tools for a successful business venture. Let’s look at what Hitachi Capital Business brings to the table.


Hitachi Business Finance under Hitachi Capital American Corp. offers current clients and future clients a wealth of resources online supports their many services. On top of this, the company seemingly has good approval ratings, given their recent $30 million investment in only 6 U.S. based companies.


While it may not seem like a significant downside, the biggest complaint against Hitachi is their website. Currently, their website is full of words and extremely confusing. In a time and age where people seek simplicity, their website definitely lacks this.

Loan and Lender Information

Hitachi Capital America Corp. is a financial entity offering businesses and entrepreneurs diversified leasing and financial services. More specifically, their services tend to cater specifically in the following niches:

  • Medical Equipment
  • Trucking
  • Car Dealership
  • Vendor
  • Indirect Financing
  • Software
  • Governmental Financing
  • Syndication and Asset Management

The company touts their many different financing options and opportunities for businesses, making it a considerably option for just about anyone. Whether you need- asset-based lending, commercial loans, or invoice factoring, Hitachi Capital Business can do it all.

Rates and Fees

When it comes to specific rates and fees, Hitachi Business Finance does not provide all the vital information you may be seeking. However, they do offer a few pieces of information that may help decide if to apply for their services. Below, you will find a breakdown of their specific services and the different rates and requirements that follow.

  • A/R Financing

If applying for A/R Financing, you will receive up to 90% advances at a starting rate of $25,000. The company does not discuss their competitive rates; however, they do mention offering assistance through resources.

  • Asset-based Lending

Asset-based Lending loans begin at $500,000 and can reach up to $15 million+. These are perfect for specific manufacturing or distributing businesses. You may receive up to 90% advances on A/R Financing, 75% on any equipment financing, and only 50% on inventory. Again, no rates are disclosed.

  • Lender Finance

This service is specifically designated for factor-based, finance, and asset-based businesses. Loans begin at $1 million and may exceed above $15 million. As with all of their services, there is no rates available.

  • Loan Syndications

For this service, you may need to contact the company for more exclusive details. Loans may only be between $5-$25 million.

  • Government Finance

For all information regarding Hitachi’s Governmental Financing Service, please visit

  • Commercial Finance

The company does not offer a wealth of information regarding commercial finance. If you are interested in this service, it’s recommended to either explore their website or contact the company with the contact form.

Application Process

To apply for Hitachi Business Finance services, there are a few different ways. The easiest route is to visit is submit the required information. You may also chose to call their company phone, or visit their company headquarters. Regardless, no matter which route you chose, you will hear from a loan lending specialist who will view your application and offer varying financial opportunities. We do advise that, prior to signing any paperwork, be sure to study their rates, fees, and read the fine print!


Hitachi Business Finance is one o the largest financing platforms in the United States, under the headquarters, Hitachi Capital America Corp, which, chances are, you have already heard of. With that being said, while their rates and fees may not be disclosed on their website, the company is favored by numerous business owners, making it an option worth consideration.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


View All Posts


Get Approved Today