Equipment Financing

Business Equipment Financing

Acquire the equipment your business needs today — preserve your cash, pay over time.

Up to $5M
Financing Amount
From 5.5%
Interest Rate
2–7 Years
Term
3–7 Days
Funding Speed
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Product Overview

What is Equipment Financing?

Equipment financing lets you purchase or lease machinery, vehicles, technology, and tools with the equipment itself serving as collateral. This typically means easier qualification and better rates than unsecured options. Finance up to 100% of the cost and start generating revenue from day one while spreading payments over time.

From forklifts and CNC machines to dental chairs and commercial kitchen equipment — virtually any revenue-generating equipment can be financed. The equipment acts as its own security, making this one of the most accessible financing options for growing businesses.

Key Benefits

  • ✓Equipment serves as its own collateral — easier to qualify
  • ✓Finance up to 100% of the equipment cost
  • ✓Fixed monthly payments for predictable cash flow
  • ✓Section 179 tax deduction benefits may apply
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

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Minimum 1 year in business
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Annual revenue $150K+
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Credit score 600+
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Equipment quote or invoice
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Business financial statements
How It Works

How to Apply

1

Quick Application

Tell us what equipment you need and share your business details. Get an initial answer fast.

2

Discovery Call

An advisor reviews your needs, discusses vendor quotes, and identifies the best financing structure.

3

Get Matched

We match you with the right equipment lender and submit on your behalf.

4

Get Funded

Approval in 24–48 hours; funding in 3–7 days. Equipment arrives, business grows.

Common Questions

Frequently Asked Questions

Yes, many lenders finance both new and used equipment. Used equipment financing may have slightly different terms, but it's a common and accessible option for businesses looking to save on costs.
Virtually any business equipment can be financed — construction machinery, commercial vehicles, restaurant equipment, medical devices, IT hardware, manufacturing equipment, office furniture, and more.
Many equipment financing options require no down payment, allowing you to finance 100% of the equipment cost. Some lenders may offer better rates with a down payment of 10-20%.
Equipment financing can offer significant tax benefits. Under Section 179, you may be able to deduct the full purchase price of qualifying equipment in the year it's purchased, reducing your tax liability.