Finance the Equipment You Need Without Tapping Your Cash Flow

Need to upgrade or replace equipment but don’t want to drain your working capital? Equipment financing lets you purchase essential tools, machinery, or vehicles without the upfront cost. Whether you’re investing in medical devices, commercial kitchen gear, tractors, trailers, dump trucks, heavy machinery, or even office tech, we’ll help you get it done quickly and affordably.

Program Snapshot

Amount

$10K – $10M

Term Length

Up to 10 years

Loan to value

Up to 100%

Credit Pull

Soft (no impact on credit score)

Closing Time Frame

Within a week and as fast as 48 hours

Repayment

Monthly

Why Choose Equipment Financing?

Keep Your Cash Flow Intact

Finance 100% of the equipment cost, including soft costs like delivery, installation, and setup.

Same-Day Approvals Available

Move fast when opportunity strikes.

Deferred Payment Options

Start now, pay later. Flexible repayment terms available to qualified borrowers.

All Types of Equipment Covered

From titled vehicles to niche industry tools, we cover 90% of equipment types across most sectors.

Build Business Credit

Every on-time payment strengthens your profile for future funding.

What Kind of Equipment Can Be Financed?

If it helps your business operate, chances are we can finance it. Common examples include:

Medical equipment
Construction and heavy machinery
Commercial vehicles or trucks
Restaurant ovens, refrigeration, or POS systems
Office furniture, printers, computers
Farming, logging, and landscaping equipment
Manufacturing tools, lasers, saws, and more

What You’ll Need to Apply

Basic credit application
Invoice, bill of sale, or equipment quote
6 months of business bank statements
Financial statements and tax returns (for $300K+ requests)
Voided business check or bank letter

FAQs

What is equipment financing?

Equipment financing helps you purchase or lease the machinery, vehicles, or tools your business needs—without paying the full cost upfront. You repay the lender over time, often with the equipment itself serving as collateral.

What types of equipment can I finance?

You can finance almost any essential business equipment—such as commercial vehicles, manufacturing machinery, restaurant appliances, medical devices, office technology, or construction equipment.

Do I need perfect credit to qualify?

No. While better credit can help secure lower interest rates, many lenders offer flexible equipment financing and lease to own options for businesses with fair or even challenged credit.

How much can I borrow for equipment?

Loan amounts typically range from $10,000 to $10 million, depending on the value of the equipment and your business’s financial profile.

What is the repayment term for equipment financing?

Repayment terms generally align with the expected lifespan of the equipment—up to 10 years. This keeps payments manageable while matching the loan to the asset’s useful life.

Is a down payment required?

Some equipment financing options require little to no money down, while others may require a small percentage upfront. The exact amount depends on your lender and credit profile.

Can I finance used equipment?

Yes—many lenders allow financing for used equipment, though loan terms may vary based on the age, condition, and resale value of the asset.

How fast can I get approved?

If you have your business documents and equipment details ready, you could be approved and funded in just a few days—sometimes even faster for smaller purchases.

Does equipment financing have any tax benefits?

Yes. In many cases, the interest you pay on equipment financing can be deducted as a business expense. You may also be eligible for accelerated depreciation under Section 179 of the IRS tax code, which allows you to write off a large portion — or even the full cost — of qualifying equipment in the year it’s purchased. This can lower your taxable income and improve cash flow. Always check with your tax professional to see how these benefits apply to your business.

What Do You Qualify For?

Every business is different — and so are your options. We’ll help you figure out what programs fit your goals and guide you through the process step-by-step.

Minimum Requirements:

Let’s Get You Funded

Our friendly team would love to hear from you.