About BYLD Finance | Real People. Real Business Funding.
About BYLD Finance

Real people. Simple business funding.

We are Travis and Charlie McMinn. BYLD helps you fund what is next with Equipment Financing, Working Capital, Business Term Loans, and Lines of Credit. Apply in minutes with a soft pull to start. Get clear options, fast answers, and hands-on help.

Start your application See what we offer
Soft pull to start Fast responses Vendor friendly
Soft inquiry on personal credit to begin. Final approval may require additional verification.
Thousands
of customers served through our vendor network
Nationwide
coverage with flexible programs
Startup Friendly
options available
Fast
clear communication

What we offer

Four ways to fund your growth. Pick the path that fits your plan and cash flow.

Equipment Financing

Finance nearly any type of business equipment with fixed payments that protect cash flow and build ownership.

Learn about equipment financing →

Working Capital

Short term funding for payroll, inventory, marketing, or upgrades that cannot wait. Same or next day in many cases.

See working capital options →

Business Term Loans

A lump sum with predictable payments and fixed terms. Good for planned growth and larger projects.

Explore term loans →

Lines of Credit

Reusable access to funds you can draw when needed. Pay interest only on what you use.

Check line of credit options →

Our story

We built BYLD Finance because we were tired of seeing good businesses slowed down by confusing terms and slow communication. We believed there was a better way. So we made one.

Travis grew up inside a family run equipment business and has worked across sales, operations, and leadership. Charlie is the heartbeat behind customer experience and daily communication. Together we combine empathy with expertise so owners get straightforward funding and real help from real people.

We give you options in plain language and we stay with you until the job is done.

What we believe

  • Funding should be simple, fast, and honest
  • Clear expectations beat fine print
  • People grow when they have the right tools and capital
  • Vendors deserve a partner who communicates

Highlights

Started with apparel decoration roots. Embroidery, heat press, DTF, and more for small shops and growing brands.
Expanded across graphics and manufacturing. Wide format, UV, CNC, laser, label, and packaging joined the list.
Added working capital and revolving credit. We now support equipment and day to day needs under one roof.
Built a vendor first workflow. Fast quotes, clean updates, and a friendly process that keeps deals moving.

What we finance

We can finance equipment across many categories. Popular examples include:

Embroidery machines

Single head and multi head machines, cap frames, staging, software, and accessories.

Embroidery machine financing Cap embroidery Multi head options

DTF printers and heat presses

Direct to film printers, shakers, ovens, and professional heat presses.

DTF printer financing Shaker and oven packages Heat press financing

Screen printing

Automatic presses, manual presses, flashes, dryers, exposure, and prepress.

Screen print equipment Automatic presses

Wide format and UV

Solvent, latex, and UV printers, laminators, cutters, and RIP workstations.

Wide format financing UV printer financing

Laser and CNC

CO2 and fiber lasers, CNC routers, rotary attachments, ventilation, and tables.

Laser financing CNC router financing

Everything else

Sublimation, DTG, label and packaging, engraving, sewing, finishing, and more.

DTG Sublimation Label and packaging

Industries we serve

  • Embroidery and apparel decoration
  • Print on demand and fulfillment
  • Screen printing shops
  • Sign and graphics
  • Promotional products
  • Awards and engraving
  • Packaging and label
  • Industrial and light manufacturing
  • E commerce brands
  • Startup makers and side hustles
  • Schools and municipalities
  • In house corporate shops

Vendors and partners

We partner with equipment vendors nationwide and also support buyers working directly with a seller. A snapshot of brands and distributors we have supported:

Stitch It International
American Print & Supply
Impressions Worldwide
Garment Printer Ink
The Magic Touch USA
North Light Color
Embroidery Hub
ISW
Stahls
The Print Bakery
GSG
Embroidery Warehouse
Happy Embroidery
Konica Minolta
All American Print Supply
The Wall Printer
ScreenPrinting Products
Axiom America
Coastal Business Supplies
GTS
Brown Manufacturing Group
SewingMachinesPlus
Barudan
Sign Warehouse

Vendor not listed yet? No problem. We are vendor agnostic and can fund any eligible equipment.

Meet the founders

Travis and Charlie at BYLD Finance
Travis & Charlie McMinn - Co-Founders

We are a husband and wife team built on teamwork, trust, and a shared drive to help business owners grow. Every deal we fund is handled together from start to finish, communicating, planning, and problem solving as one. We bring different strengths to the table and the same goal of making funding simple, fast, and personal.

BYLD Finance family
Built on family and balance

Outside of work, we stay busy raising our blended family of six, traveling between Missouri and Minnesota, and making the most of every season together. Family is what grounds us and it is also what drives the way we run our business.

What customers say

Real reviews from real buyers. Click any card to view full size.

TropiCool Accents customer review
TropiCool Accents
Rated 5 out of 5
“Charlie went above and beyond... explained everything clearly.”
Country Print Co customer review
Country Print Co
Rated 5 out of 5
“Helpful, friendly, and knowledgeable... would recommend.”
GAM Graphics and Marketing customer review
GAM Graphics and Marketing
Rated 5 out of 5
“From application to funding this was a breeze.”
Stand Out Sports and Apparel customer review
Stand Out Sports & Apparel
Rated 5 out of 5
“Super easy. Kept us updated along the way.”

Frequently asked questions

Do you finance used embroidery machines and used DTF printers?
Yes. We finance both new and used equipment when the deal meets underwriting guidelines.
Can startups get approved?
Yes. Startups can be eligible. We look at the full picture, including time in business, credit profile, and structure.
What credit score do I need?
There is no single number. Scores help, but revenue, equipment type, and down payment can play a role.
Can you work with my preferred vendor?
Yes. We are vendor agnostic and can collaborate with any seller or manufacturer.
How long does funding take?
Most approvals and docs move quickly when we receive complete information from all parties.
Do you finance beyond apparel decoration?
Yes. We also finance wide format, UV, laser, CNC, packaging, engraving, DTG, sublimation, and more.

Let’s build something together

We named this company BYLD for a reason. Whether you are buying your first machine or scaling a production floor, our goal is to help you get it done with options that make sense for your business.

Tell us what you are buying and how you plan to use it. We will present options in plain language and help you every step of the way.

Apply Now Talk to Travis and Charlie

BYLD Finance provides business funding. Nothing on this page is a commitment to lend. All approvals are subject to credit and underwriting.