Equipment Financing

Get the equipment now. Pay for it while it earns.

Trucks, machinery, kitchens, medical and IT equipment: we arrange financing and leases that spread the cost over the equipment’s working life, so your cash stays available for payroll and growth.

Up to 100%Of equipment value
1–10 yrsTerms
1–2 daysTypical speed

Equipment Financing may be right if…

  • You are buying new or used equipment from a dealer or private seller
  • You want to keep cash on hand instead of paying in full
  • Your credit is less than perfect, since the equipment itself is the collateral
  • You want to plan purchases around Section 179 and year-end taxes

What clients use it for

  • Semi trucks, trailers, and work vehicles
  • Construction and earth-moving equipment
  • Restaurant kitchens and build-outs
  • Medical, dental, and imaging equipment
  • Manufacturing machinery and CNC equipment
  • Computers, servers, and software

Equipment Financing, by the numbers.

Funding for purchasing or leasing equipment, allowing businesses to spread the cost over time while preserving cash flow.

Max Funding Amount
Up to $10M per piece
Funding Term
1 – 10 Years
Lease Rates
Starting at 6.5% (SBA)Private lender 7–15% average
Speed
1–2 Business Days
Credit Score
550+
Time in Business
6 Months+
Repayment Term
Monthly
Pros
  • Get access to funds quickly
  • The approval process is easy
  • Less than perfect credit score accepted
  • The asset is used as collateral
  • Borrow up to 100% of market value
Cons
  • It might be obsolete before the loan is repaid
  • Possible prepayment penalty
  • Depreciation may prevent deducting full costs on tax returns each year

Figures shown are typical ranges and may vary. All products subject to approval and underwriting. *Varies by lender.

From application to funding
in four steps.

Step 01
Apply

Send the short form below or call us. It takes a few minutes and starts with a soft credit pull where applicable.

Step 02
Review

We review your business and match it with the lenders and programs most likely to fit.

Step 03
Compare

You get side-by-side options with rate, term, payment, and total cost explained in plain English.

Step 04
Fund

Choose the offer that fits, sign, and receive funds, often within days of approval.

What you’ll need to apply

  • One-page application
  • Last 3–6 months of business bank statements
  • Driver's license for each owner
  • Voided business check
  • Equipment quote or invoice from the seller

Frequently asked questions

Can I finance used equipment or buy from a private seller?

Yes. Many of our programs fund used equipment and private-party sales. The lender may ask for photos, a serial number, or an inspection on older or high-value pieces.

Do I need a down payment?

Often not. Qualified borrowers can finance up to 100% of the equipment’s value. Newer businesses or weaker credit profiles may be asked for a down payment or first and last payment.

Should I lease or finance?

Financing usually makes sense for equipment you plan to keep for years. Leasing can make sense for technology that goes out of date quickly or when you want lower payments. We lay out both side by side; your accountant can confirm the tax treatment.

Will applying hurt my credit?

Our application starts with a soft credit pull, which does not affect your score. A lender may run a full credit check before final approval.

Let’s talk about
equipment financing.

Tell us a little about the business and what you need. We’ll respond within one business day with next steps.