BOLD VIEW CAPITAL — WHO WE ARE
Financing science for over thirty years
Expertise in start-ups, highly flexible financing, proven partnerships you can count on, and a track-record that spans over 30 years.
Having activated a $1 Billion worth of financing programs for our customers has given us the expertise in understanding the role affordable flexible financing can play in a start-up or early-stage company.
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Frequently asked questions
Small pharmaceutical startups predominantly use milestone-based financing or equipment leases. These financing models align cash outflows with developmental inflection points, such as drug discovery progress, lead optimization, or pending grant and tranche disbursements. By financing major analytical systems, startups avoid sinking critical cash into depreciating hardware, ensuring funds remain liquid for clinical filings, patent prosecution, and skilled scientific personnel. This financing can also be structured to match research grant accounting guidelines, allowing startups to expense monthly payments directly against active project budgets.
A lab director should compare financing offers by evaluating the effective annual percentage rate (total cost of capital), the end-of-term buyout structure, and the allowance for soft costs. The lowest monthly payment often masks restrictive terms; directors must specifically verify whether the contract specifies a definitive $1 purchase option, a fixed percentage buyout, or an open-ended Fair Market Value (FMV) clause that gives the lessor unilateral pricing leverage at contract maturity.
Furthermore, directors must evaluate operational flexibility, including midterm equipment upgrade clauses and the ability to bundle freight, installation, and preventative maintenance into the monthly financing total. Selecting a lender with specific life science domain expertise prevents protracted underwriting cycles and ensures approval terms align with strict project commissioning deadlines.
The best lab equipment financing for companies with under 50 employees is debt-financing or asset-backed financing from a financing partner that has deep life sciences industry knowledge. Traditional commercial banks typically require deep historical revenues and positive EBITDA, which disqualify lean, growth-oriented research teams. Dedicated life sciences financiers, like Bold View Capital, evaluate the company based on institutional equity backing, total cash runway, and the secondary market value of the hardware rather than headcount. These financing partners provide small biotech and diagnostic teams with non-dilutive capital, protecting equity ownership while deploying essential analytical, synthesis, and staging platforms.
Brand-new research labs benefit most from flexible leases that bundle essential soft costs. Because new facilities face lengthy build-out schedules and permitting delays, structured leases keep initial monthly payments minimal during the first three to six months while instrumentation is delivered, hooked up, and validated before full scientific operations begin. Additionally, new research facilities should seek financing agreements that allow the capitalization of soft costs. Further, a working with a financing company like Bold View Capital enables founding teams to source disparate analytical platforms from multiple original equipment manufacturers (OEMs) under a single credit line rather than negotiating individual approvals for every benchtop device.
Early-stage pharmaceutical labs typically choose between Fair Market Value (FMV) operating leases and $1 buyout capital leases, depending on equipment lifecycle and equity runway. FMV leases are favored for high-throughput instrumentation—such as mass spectrometers, next-generation sequencers, and automated liquid handlers—because they offer the lowest monthly payments and hassle-free hardware upgrades every 24 to 36 months.
A capital lease is a closed-end lease, typically with a $1 purchase option at the end of the term. A fair market value lease, or true lease, has several options at the end of the term: continue to rent the equipment, return equipment (and potentially upgrade to new equipment), or buy the equipment for the fair market value at the end of term. Deciding between each lease type depends on several factors, including your intention to purchase at the end of the lease term.
Rentals are a smart choice when you have a short-term project and need a specialized piece of equipment. Most rental terms range from 3 months to 18 months. If you aren’t sure if you will need the equipment for longer and potentially would like to purchase it outright, our rental-with-equity program allows you to apply a portion of your rental toward the purchase of the equipment at the end of the term.
As the asset financing company, we purchase equipment on your behalf from the manufacturer. Then you make monthly payments to Bold View Capital per the agreed upon terms. If it’s a capital lease, you own the asset for a $1 buyout once the term is completed. If it’s a fair market value lease, you have several end of term options (continue renting, return, purchase).
For many companies, raising capital and maximizing its usage is of the highest importance. Leasing is a great tool to make your capital go further by avoiding the high upfront costs associated with sophisticated analytical instrumentation. You can get the equipment you need in-house, while spreading the cost burden over a span of months or years.
Our credit review process is simple. We have a process designed for start-ups with little to no credit history, and a process for established companies and existing customers.
Yes. Most start-up companies need instrumentation before having built a rich credit history. The credit application and approval process can be adjusted to accommodate these common circumstances.
Bold View Capital has a long history of offering financing programs to start-up companies without credit histories. We’ll let you know exactly what you would need to apply for financing.
Service plans can be added to any lease.
We will coordinate with each vendor on your behalf. In some cases, we can put everything on one lease contract for you.
Yes, we work with everyone. Pre-revenue start-up companies, early-stage/seed-and-series funded companies, emerging markets, publicly traded companies, as well as established companies with many years of business history.
Right now, Bold View Capital only works with clients in the United States. Specifically, the lab equipment being financed must remain in the United States.
Not always. We have programs with down payments, soft costs paid upfront, or no money down. Our flexible financing programs can be tailored to meet your business needs.
Our typical term duration for start-ups is 12 to 36 months. We have the potential to extend terms to 60 months for existing businesses and established labs.
While we don’t offer a traditional working capital loan, we do offer sale leasebacks.
A sale leaseback is when we buy a recently purchased asset from you, give you the cash, then lease it back to you. You keep the equipment and pay monthly payments for it.
Contact us today to discuss which financing programs are best suited for your business needs.
Bold View Capital has consistently demonstrated a deep understanding of our industry’s unique financial needs. Their financing options have allowed us to invest in cutting-edge equipment and expand our testing capabilities. This support has not only improved our operational efficiency but has also positioned us as a leader in the laboratory testing field.