Author
Christopher Chavez
Founder & Principal, Northwood Capital Group
Christopher Chavez founded Northwood Capital Group to give U.S. small business owners the same access to commercial capital that large corporations take for granted. With over a decade in equipment finance, SBA lending and working capital, Christopher has structured thousands of transactions across trucking, construction, agriculture, medical and manufacturing.
Before founding Northwood, Christopher worked in commercial credit and equipment leasing, learning the underwriting side of the business from lenders including national banks and independent finance companies. That underwriter's perspective is baked into every Northwood file — clients don't get a broker throwing applications at the wall; they get a strategy.
Christopher is based in Orange County, California, and personally oversees Northwood's underwriting philosophy, lender relationships, and the firm's charitable-giving program (1% of every funded deal goes to St. Jude, Shriners, and Feeding America).
Areas of Expertise
- · Equipment financing & leasing ($25K–$5M)
- · SBA 7(a) and 504 loan structuring
- · Commercial truck and fleet finance
- · Agricultural & seasonal payment structures
- · Working capital, MCA & bridge lending
- · ITIN and story-credit underwriting
Recent Articles
Bad Credit Equipment Financing & Working Capital: A Low-FICO Guide
Need a machine, payroll funding—or both—with low credit? Compare the options, strengthen your application and explore city-specific business examples nationwide.
Invoice Factoring for Small Business: How It Works
Compare invoice factoring costs, customer-credit requirements and local business examples across Texas, Florida and California before requesting funding.
How to Finance a Semi Truck with Bad Credit
Bad credit doesn't disqualify you from buying a truck — it changes the structure. Here's what owner-operators need to know about getting approved.
Equipment Financing vs. Equipment Leasing: What's the Difference?
Financing builds equity. Leasing preserves cash. See the side-by-side comparison, a $150K worked example, and which structure wins by equipment type.
Business Line of Credit Requirements: What You Need to Qualify
Lines of credit are reserved for prime-credit borrowers. Here's exactly what underwriters look for at 680+ FICO — and the alternatives if you're not there yet.
What Is a Bridge Loan and When Should You Use One?
Bridge loans exist to keep deals from falling apart while slower capital catches up. Here's how they work and when they're the right call.
Work With Christopher's Team.
Speak with a Northwood funding specialist today. Most decisions in 24–48 hours.
- ✓ $25K–$5M available
- ✓ Funded in 2–5 business days
- ✓ All credit profiles considered
- ✓ No upfront fees, no prepayment penalties